Daily ACH payments

Report description

Using the Cross River Operating System (COS) ACH APIs, an account can both originate and receive payments through an ACH Operator. The information required for a payment varies depending on the relevant SEC code and is governed by NACHA Operating Rules and Guidelines. Required information will also vary for domestic or international payments.

ACH files are received daily from both Cross River’s clients (originators) and the Federal Reserve Bank (FRB). The files are automatically imported into Cross River's ACH manager, systematically validated for correctness, and then verified for release to the FRB for via a two-stage process of review with authorization.

You can use this report to reconcile between what you requested from the Cross River Operating System (COS) and what COS actually processed.

Learn more about ACH

Report in detail

The table below provides information for some of the fields within your report. For information on -specific fields please refer to your copy of the Nacha Operating Rules.

Column	Description
Id	The unique payment ID in the Cross River system assigned when the payment is sent
AccountNumber	COS account number related to the payment
ReferenceId	Unique Cross River reference ID for the payment. The reference ID always begins with the first letter of the rail. For ACH the reference ID starts with 'A'.
PaymentType	The type of payment, which includes: Origination: A new payment originating from either Cross River or another bank. Most payments are of this type. Return: A previous origination that was returned by the receiving bank DishonoredReturn: A previous return that was dishonored by the receiving bank Correction (Noc): A previous origination where the receiving bank accepted the original payment but notifies you of information you should correct next time you send a payment to this receiver. For example, use a different account number.
TraceNumber	This corresponds to the NACHA Trace Number field and is a unique number assigned to the transaction
ServiceType	The type of ACH service: 0 (Standard): Payment effective the following day. International payments must use this type. 1 (SameDay): Payment effective the same day originated provided it originates before the daily cutoff time. Not available for certain payment scenarios.
Status	The status of the payment at the time the report was generated: Created: Payment received not yet processed. This status appears briefly. Pending: Payment waiting to be batched and sent to the Fed Hold: Payment currently on hold for review by Cross River Operations Batched: Payment batched. Before Cross River sends a batch file to the Fed we do a final review Processing: For inbound payments, Cross River is trying to post the payment to the receiving account. For outbound payments, the payment has been sent to the Fed, but has not been posted yet. An outbound standard payment may remain in this status for a day or more. Same-day payments transition to Complete soon after processing. Complete: Payment posted and accepted by the Fקג (in the case of outbound payments). This is a final status. Canceled: Outbound payment canceled at the partner’s request. You can only cancel a payment with a status of Pending or Hold. This is a final status. Rejected: Cross River Operations could not process the payment, so we rejected it. For inbound payments, the payment request is returned to the originating bank. This is a final status.
TransactionType	The payment transaction type, which includes: 0 (Push): Credit payment sent from an originator to a receiver 1 (Pull): Debit payment taken from a receiver and moved to the originator
Direction	Inbound: Payment received from another bank Outbound: Payment sent to another bank
Source	How the credit transfer payment originated: Api Partner Portal Ops Portal File Card Management COS Payments
SecCode	The Standard Entry Class (SEC) code for the payment See SEC codes.
ClientBatchId	Unique identifier for a batch. Only partners that originate client batches see a value in this column.
ClientBatchSequence	Sequence number of the payment in the batch. Only partners that originate client batches see a value in this column.
Amount	The transaction amount in integral cents. For example, $1.00 appears as 100.
FedBatchId	Fedwire or ACH batch ID used for settlement tracking
FedBatchSequence	Sequence number of the payment in the Federal Reserve batch the payment went out or arrived in.
Description	Description added by the originator
Posting	Status of the related core transaction for the payment. Values include: * Pending: Transaction is pending posting * Posted: Transaction has been posted to the account * Failed: Transaction posting failed * Canceled: Transaction was canceled * Authorized: Transaction is authorized but not yet posted * Processing: Transaction is currently being processed
CoreTransactionId	The payment-related core transaction ID
ProductId	The product identifier for the account involved in the ACH payment
PartnerId	Your unique identification number as a partner in the Cross River system
EffectiveDate	Effective entry date in the format YYMMDD
Addenda	Payment-related information
ReasonCode	Code for the reason for an ACH return or notification of change. See Request and response codes: ACH.
ReasonData	Supporting data for the reason code
PostedAt	Date and time the transaction was posted, specifically at end of day settlement
CreatedAt	Date and time the payment was created
LastModifiedAt	Internal Cross River value. Date and time the database entry was last modified.
SettlementDate	Corresponds to the NACHA Settlement Date field
CanceledAt	Date and time the payment was canceled
RejectedAt	Date and time the payment was rejected
ProcessedAt	Date and time the payment was processed
CompletedAt	Date and time the payment was completed
OriginatingBankRoutingNumber	The ABA number for the bank where the transfer originated
OriginatorName	Corresponds to the NACHA Company Name field name of the originator of the ACH transaction
OriginatorAccountNumber	Account number where the transaction originated from
OriginatorAccountType	Type of account the transaction originated from
OriginatorData	Corresponds to the NACHA Company Discretionary Data field
OriginatorIdentification	Corresponds to the NACHA Company Identification field
ReceiverName	Corresponds to the NACHA Individual Name field
ReceiverAccountNumber	Corresponds to the NACHA DFI Account Number field
ReceiverAccountType	Corresponds to the NACHA Transaction Code field
ReceiverData	Corresponds to the NACHA Discretionary Data field
ReceiverIdentification	Corresponds to the NACHA Individual Identification Number field
ReceivingBankRoutingNumber	Corresponds to the NACHA Receiving DFI Identification field
UltReceiverAccountNumber	Ultimate receiver account number
UltReceiverAccountType	Ultimate receiver account type
UltReceiverData	Data for the ultimate receiver
UltReceiverIdentification	The ultimate receiver identification
Fcb1RoutingNumber	Foreign corresponding bank 1 routing number
Fcb2RoutingNumber	Foreign corresponding bank 2 routing number
Fcb3RoutingNumber	Foreign corresponding bank 3 routing number
PostingCode	Indicates the payment status in the Cross River banking core, which may include: OK: Posted RES: Account Restricted NSF: Insufficient Funds in the sending account
PreviousPaymentId	Payment ID for the original payment related to a return or received NOC
PreviousReasonCode	The reason code for the original payment related to a return or received NOC
PreviousTraceNumber	Trace number for the original payment related to a return or received NOC
PreviousSettlementDate	Settlement Date for the original payment related to a return or received NOC
PreviousReasonData	Supporting data for the reason code for the original payment related to a return or received NOC
OriginalPaymentId	Payment ID for the original payment related to a dishonored return
OriginalReasonCode	The reason code for the original payment related to a dishonored return
OriginalTraceNumber	Trace number for the original payment for the original payment related to a dishonored return
OriginalSettlementDate	Settlement date for the original payment related to a return that we received for dishonored returns.
OriginalReasonData	Supporting data for the reason code for the original payment related to a dishonored return
OriginatorRoutingNumber	Corresponds to the NACHA Originating DFI Identification field
ReceiverRoutingNumber	Receiver’s routing number
ExtCardTransactionType	(Extended payment details) – NACHA-specific
ExtReference1	(Extended payment details) – NACHA-specific
ExtReference2	(Extended payment details) – NACHA-specific
ExtTerminalIdentification	(Extended payment details) – NACHA-specific
ExtTransactionSerial	(Extended payment details) – NACHA-specific
ExtTransactionDate	(Extended payment details) – NACHA-specific
ExtAuthCode	(Extended payment details) – NACHA-specific
ExtTerminalLocation	(Extended payment details) – NACHA-specific
ExtTerminalCity	(Extended payment details) – NACHA-specific
ExtTerminalState	(Extended payment details) – NACHA-specific
Fields beginning with Iat only apply to International ACH Transactions.
IatTransactionTypeCode	Code for the transaction type of the international transaction
IatOriginatorAddress	Street address of the originator of the international transaction
IatOriginatorCity	The city of the originator of the international transaction
IatOriginatorState	The state of the originator of the international transaction
IatOriginatorPostalCode	The ZIP or postal code of the originator of the international transaction
IatOriginatorCountryCode	The country code of the originator of the international transaction
IatReceiverAddress	The street address of the receiver of the international transaction
IatReceiverCity	The city of the receiver of the international transaction
IatReceiverState	The state of the receiver of the international transaction
IatReceiverPostalCode	The ZIP or postal code of the receiver of the international transaction
IatReceiverCountryCode	The country code of the receiver of the international transaction
IatOriginatingBankName	The name of the bank where the transaction originated
IatOriginatingBankIdQualifier	The ID qualifier corresponds to the originating bank identification
IatOriginatingBankIdentification	The identifier of the bank originating the international transaction
IatOriginatingBankCountryCode	The country code of the bank where the international transaction originated
IatReceivingBankName	The name of the bank where the international transaction was received
IatReceivingBankIdQualifier	The ID qualifier corresponding to the receiving bank identification
IatReceivingBankIdentification	The identifier of the bank receiving the international transaction
IatReceivingBankCountryCode	The country code of the bank receiving the international transaction
IatUltReceiverName	The ultimate receiver’s name
IatUltReceiverAddress	The ultimate receiver’s street address
IatUltReceiverCity	The ultimate receiver’s city
IatUltReceiverState	The ultimate receiver’s state
IatUltReceiverPostalCode	The ultimate receiver’s ZIP or postal code
IatUltReceiverCountryCode	The ultimate receiver’s country code
IatFcb1Name	The name of the first foreign correspondent bank
IatFcb1IdQualifier	The ID qualifier for the first foreign correspondent bank
IatFcb1Identification	The first foreign correspondent bank’s identification
IatFcb1CountryCode	The first foreign correspondent bank’s country code
IatFcb2Name	The name of the second foreign correspondent bank
IatFcb2IdQualifier	The ID qualifier for the second foreign correspondent bank
IatFcb2Identification	The second foreign correspondent bank’s identification
IatFcb2CountryCode	The second foreign correspondent bank’s country code
IatFcb3Name	The name of the third foreign correspondent bank
IatFcb3IdQualifier	The ID qualifier for the third foreign correspondent bank
IatFcb3Identification	The third foreign correspondent bank’s identification
IatFcb3CountryCode	The third foreign correspondent bank’s country code
ExtPaymentType	(Extended payment details) – NACHA-specific
InsertedAt	Internal to Cross River.
ExtProcessControl	(Extended payment details) – NACHA-specific
ExtResearchNumber	(Extended payment details) – NACHA-specific
Purpose	Internal reason for the payment. This is an internal field and is not included in the payment message.
ExtCheckSerialNumber	(Extended payment details) – NACHA-specific
ExtItemType	(Extended payment details) – NACHA-specific
ExtCardAccountNumber	(Extended payment details) – NACHA-specific
ExtCardExpDate	(Extended payment details) – NACHA-specific
ExtDocReferenceNumber	(Extended payment details) – NACHA-specific
ExtNetworkIdentification	(Extended payment details) – NACHA-specific
ExtTransactionTime	(Extended payment details) – NACHA-specific
ExtTransactionDesc	(Extended payment details) – NACHA-specific
MemoPostId	Unique ID for a memo post transaction
WasReturned	True if the payment was returned. Otherwise, false.
WasCorrected	True if the payment was corrected. Otherwise, false.
HoldDays	For Outbound Pull payments only: the number of days a credit was withheld (where applicable)

Sample report

[YourCompanyName]_Daily_Ach_Activity_[YYYY]_[MM]_[DD]_[HHMMSS].csv