List ACH payments
curl --request GET \
--url https://api.natural.com/ach \
--header 'Authorization: Bearer <token>'import requests
url = "https://api.natural.com/ach"
headers = {"Authorization": "Bearer <token>"}
response = requests.get(url, headers=headers)
print(response.text)const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};
fetch('https://api.natural.com/ach', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.natural.com/ach",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "GET",
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"net/http"
"io"
)
func main() {
url := "https://api.natural.com/ach"
req, _ := http.NewRequest("GET", url, nil)
req.Header.Add("Authorization", "Bearer <token>")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.get("https://api.natural.com/ach")
.header("Authorization", "Bearer <token>")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.natural.com/ach")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Get.new(url)
request["Authorization"] = 'Bearer <token>'
response = http.request(request)
puts response.read_body{
"data": [
{
"type": "ach",
"id": "ach_019cd1798d838f575681880edfaa4c6f",
"attributes": {
"direction": "credit",
"amount": 25000,
"currency": "USD",
"fee": {
"amount": 25,
"currency": "USD",
"payer": "sender",
"applied": "on_top"
},
"status": "PROCESSING",
"companyEntryDescription": "PAYOUT",
"internalDescription": "July contractor payout, ledger 1042",
"addenda": "Invoice 1042, July services",
"secCode": "PPD",
"submittedDescriptor": {
"companyName": "Acme Payments",
"companyEntryDescription": "PAYOUT"
},
"traceNumber": null,
"failure": null,
"return": null,
"submittedAt": "2026-08-04T15:30:00.000Z",
"settledAt": null,
"expectedAvailableAt": "2026-08-05T14:00:00.000Z",
"terminalAt": null,
"createdAt": "2026-08-04T15:30:00.000Z",
"updatedAt": "2026-08-04T15:30:00.000Z"
},
"relationships": {
"initiatorAgent": {
"data": null
},
"customerParty": {
"data": {
"type": "party",
"id": "pty_019cd1798d617f65a79cb965dda9eac3"
}
},
"wallet": {
"data": {
"type": "wallet",
"id": "wal_019cd1798d714ce765e0486a417c23dc"
}
},
"externalParty": {
"data": {
"type": "external_party",
"id": "epty_019cd1798d8d6873421613705e3c1415"
}
},
"externalPartyAccount": {
"data": {
"type": "external_party_account",
"id": "epa_019cd1798d8e5a2f8ceb96020cc3991a"
}
}
}
}
],
"meta": {
"pagination": {
"hasMore": false,
"nextCursor": null
}
}
}{
"errors": [
{
"code": "invalid_value",
"detail": "The information you entered isn't valid. Please check it and try again.",
"status": "400",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "unauthenticated",
"detail": "Authentication is required.",
"status": "401",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "forbidden",
"detail": "You do not have permission to perform this action.",
"status": "403",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "not_found",
"detail": "The requested resource was not found.",
"status": "404",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "conflict",
"detail": "The request conflicts with the current resource state.",
"status": "409",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "invalid_value",
"detail": "Too big: expected string to have <=80 characters",
"status": "422",
"source": {
"pointer": "/data/attributes/description"
},
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "mfa_required",
"detail": "MFA verification required",
"status": "428",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "rate_limited",
"detail": "Too many requests. Please try again later.",
"status": "429",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "server_error",
"detail": "Something went wrong.",
"status": "500",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "not_implemented",
"detail": "This operation is not available.",
"status": "501",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "bad_gateway",
"detail": "We couldn't complete that request because one of Natural's services returned an unexpected response. Please try again.",
"status": "502",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "service_unavailable",
"detail": "The service is temporarily unavailable.",
"status": "503",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}Direct: ACH
List ACH payments
List your ACH payments
GET
/
ach
List ACH payments
curl --request GET \
--url https://api.natural.com/ach \
--header 'Authorization: Bearer <token>'import requests
url = "https://api.natural.com/ach"
headers = {"Authorization": "Bearer <token>"}
response = requests.get(url, headers=headers)
print(response.text)const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};
fetch('https://api.natural.com/ach', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.natural.com/ach",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "GET",
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"net/http"
"io"
)
func main() {
url := "https://api.natural.com/ach"
req, _ := http.NewRequest("GET", url, nil)
req.Header.Add("Authorization", "Bearer <token>")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.get("https://api.natural.com/ach")
.header("Authorization", "Bearer <token>")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.natural.com/ach")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Get.new(url)
request["Authorization"] = 'Bearer <token>'
response = http.request(request)
puts response.read_body{
"data": [
{
"type": "ach",
"id": "ach_019cd1798d838f575681880edfaa4c6f",
"attributes": {
"direction": "credit",
"amount": 25000,
"currency": "USD",
"fee": {
"amount": 25,
"currency": "USD",
"payer": "sender",
"applied": "on_top"
},
"status": "PROCESSING",
"companyEntryDescription": "PAYOUT",
"internalDescription": "July contractor payout, ledger 1042",
"addenda": "Invoice 1042, July services",
"secCode": "PPD",
"submittedDescriptor": {
"companyName": "Acme Payments",
"companyEntryDescription": "PAYOUT"
},
"traceNumber": null,
"failure": null,
"return": null,
"submittedAt": "2026-08-04T15:30:00.000Z",
"settledAt": null,
"expectedAvailableAt": "2026-08-05T14:00:00.000Z",
"terminalAt": null,
"createdAt": "2026-08-04T15:30:00.000Z",
"updatedAt": "2026-08-04T15:30:00.000Z"
},
"relationships": {
"initiatorAgent": {
"data": null
},
"customerParty": {
"data": {
"type": "party",
"id": "pty_019cd1798d617f65a79cb965dda9eac3"
}
},
"wallet": {
"data": {
"type": "wallet",
"id": "wal_019cd1798d714ce765e0486a417c23dc"
}
},
"externalParty": {
"data": {
"type": "external_party",
"id": "epty_019cd1798d8d6873421613705e3c1415"
}
},
"externalPartyAccount": {
"data": {
"type": "external_party_account",
"id": "epa_019cd1798d8e5a2f8ceb96020cc3991a"
}
}
}
}
],
"meta": {
"pagination": {
"hasMore": false,
"nextCursor": null
}
}
}{
"errors": [
{
"code": "invalid_value",
"detail": "The information you entered isn't valid. Please check it and try again.",
"status": "400",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "unauthenticated",
"detail": "Authentication is required.",
"status": "401",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "forbidden",
"detail": "You do not have permission to perform this action.",
"status": "403",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "not_found",
"detail": "The requested resource was not found.",
"status": "404",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "conflict",
"detail": "The request conflicts with the current resource state.",
"status": "409",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "invalid_value",
"detail": "Too big: expected string to have <=80 characters",
"status": "422",
"source": {
"pointer": "/data/attributes/description"
},
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "mfa_required",
"detail": "MFA verification required",
"status": "428",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "rate_limited",
"detail": "Too many requests. Please try again later.",
"status": "429",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "server_error",
"detail": "Something went wrong.",
"status": "500",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "not_implemented",
"detail": "This operation is not available.",
"status": "501",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "bad_gateway",
"detail": "We couldn't complete that request because one of Natural's services returned an unexpected response. Please try again.",
"status": "502",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}{
"errors": [
{
"code": "service_unavailable",
"detail": "The service is temporarily unavailable.",
"status": "503",
"meta": {
"supportId": "req_a1b2c3d4e5f6"
}
}
]
}Authorizations
Bearer authentication: send your API key, agent key, or OAuth access token as Authorization: Bearer <credential>.
Headers
Caller-chosen identifier for the agent run, session, or conversation, required when an agent moves money.
Maximum string length:
1024Query Parameters
Customer party to act for (pty_*). Omit to act as your own party. To act for another party, pass the ID of a party that has authorized you to act on its behalf.
Pattern:
^pty_[0-9a-f]{32}$Filter by status.
Available options:
CREATED, AWAITING_APPROVAL, APPROVAL_DENIED, PROCESSING, SETTLED, FAILED, RETURNED, CANCELED Filter by direction.
Available options:
credit Only payments to this external party (epty_*).
Pattern:
^epty_[0-9a-f]{32}$Only payments using this account (epa_*).
Pattern:
^epa_[0-9a-f]{32}$Maximum results per page.
Required range:
1 <= x <= 100Cursor from the previous page.
Maximum string length:
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