Merchant360 Â· ACH

ACH demo

Debit a customer’s bank or pay someone by ACH. Enter a routing number to see the bank name resolve live, then preview the NACHA entry (SEC code, settlement date) the API would schedule. Nothing is submitted.

Move money by bank

Routing number

Account number

Amount (USD)

Account holder

The whole integration

// Debit a customer's bank account (or POST /ach/credits to pay one):
const res = await fetch("https://cygma.cloud/api/m360/v1/ach/debits", {
  method: "POST",
  headers: { Authorization: "Bearer " + SECRET_KEY, "Content-Type": "application/json" },
  body: JSON.stringify({
    amount: 5000,                       // $50.00, in cents
    account_holder_name: "Jane Doe",
    routing_number: "021000021",
    account_number: "000123456789",
    account_type: "CHECKING",
    holder_type: "CONSUMER",            // -> WEB (business -> CCD)
  }),
});
const ach = await res.json();
// ach.status = "queued",  settles the next banking day

Full reference at the ACH docs. All tools on the examples page.