# BMO ACH Payments API

**Canonical:** https://apis.io/apis/bmo/bmo-ach-payments-api/  
**Provider:** BMO — https://apis.io/providers/bmo/  
**Base URL:** https://sandbox-open-api.bmo.com/open-banking/commercial-sb  
**Documentation:** https://www21.bmo.com/uiv2/openapi/dev-portal/dev-portal/#/documentation/achpaymentapi

BMO ACH Payments API is one of 11 APIs that [BMO](https://apis.io/providers/bmo/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Payments, ACH, and United States. The published artifact set on APIs.io includes an OpenAPI specification and API documentation.

Initiates and manages U.S. ACH credit and debit payments (sending or collecting funds) with live status updates, for treasury and accounting system integrations. OAuth 2.0 plus client API key.

## Machine-readable artifacts (3)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/bmo/refs/heads/main/openapi/bmo-ach-payments-openapi.json
- **Documentation** — https://www21.bmo.com/uiv2/openapi/dev-portal/dev-portal/#/documentation/achpaymentapi
- **DeveloperPortal** — https://developer.bmo.com/api/commercial/

## Other BMO APIs (10)

- [BMO Account Validation API](https://apis.io/apis/bmo/bmo-account-validation-api/)
- [BMO Account Information API](https://apis.io/apis/bmo/bmo-account-information-api/)
- [BMO Wire Payments (U.S.) API](https://apis.io/apis/bmo/bmo-wire-payments-us-api/)
- [BMO Wire Payments (Canada) API](https://apis.io/apis/bmo/bmo-wire-payments-ca-api/)
- [BMO EFT Payments API](https://apis.io/apis/bmo/bmo-eft-payments-api/)
- [BMO Instant Payments (Interac) API](https://apis.io/apis/bmo/bmo-interac-instant-payments-api/)
- [BMO Image Retrieval API](https://apis.io/apis/bmo/bmo-image-retrieval-api/)
- [BMO Authorize & Token API](https://apis.io/apis/bmo/bmo-authorize-token-api/)
- [BMO Client Data Encryption Key API](https://apis.io/apis/bmo/bmo-client-data-encryption-key-api/)
- [BMO Push Notification API](https://apis.io/apis/bmo/bmo-push-notification-api/)

## Tags

Payments, ACH, United States

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/bmo/bmo-ach-payments-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/bmo/.