FIS Global

FIS Global ACH API

ACH (Automated Clearing House) payment operations

GitHub OpenAPI

Operations 2

POST /ach/transfers Create ACH transfer #
POST /ach/batches Submit ACH batch file #

Documentation

📖
Documentation
https://codeconnect.fisglobal.com/

Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/fis/refs/heads/main/openapi/fis-ach-api-openapi.yml

Other Resources

🔗
Portal
https://codeconnect.fisglobal.com/

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OpenAPI Specification

fis-ach-api-openapi.yml Raw ↑ 
openapi: 3.2.0
info:
  title: FIS Payments Accounts ACH API
  description: FIS (Fidelity National Information Services) Payments API provides programmatic access to payment processing capabilities including ACH transfers, wire payments, card processing, and real-time payment networks. Available through the FIS CodeConnect marketplace for financial institutions and fintech developers.
  version: 1.0.0
  contact:
    name: FIS CodeConnect Support
    url: https://codeconnect.fisglobal.com/
  license:
    name: FIS Terms of Use
    url: https://www.fisglobal.com/terms-of-use
servers:
- url: https://api.fisglobal.com/v1
  description: FIS Production API
- url: https://sandbox.api.fisglobal.com/v1
  description: FIS Sandbox environment
security:
- OAuth2ClientCredentials: []
tags:
- name: ACH
  description: ACH (Automated Clearing House) payment operations
paths:
  /ach/transfers:
    post:
      operationId: createAchTransfer
      summary: Create ACH transfer
      description: Initiates an ACH debit or credit transfer through the NACHA network. Standard ACH settles in 1-2 business days; Same-Day ACH settles same business day.
      tags:
      - ACH
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AchTransferRequest'
      responses:
        '201':
          description: ACH transfer created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AchTransfer'
        '400':
          description: Invalid request
  /ach/batches:
    post:
      operationId: createAchBatch
      summary: Submit ACH batch file
      description: Submits a batch of ACH transactions (NACHA-formatted file or JSON batch). Used for payroll, vendor payments, and consumer debits.
      tags:
      - ACH
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AchBatchRequest'
      responses:
        '201':
          description: ACH batch submitted
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AchBatch'
components:
  schemas:
    AchBatchRequest:
      type: object
      required:
      - companyName
      - companyId
      - transactions
      properties:
        companyName:
          type: string
          maxLength: 16
        companyId:
          type: string
          maxLength: 10
        entryClassCode:
          type: string
          enum:
          - PPD
          - CCD
          - CTX
          - WEB
          - TEL
        description:
          type: string
          maxLength: 10
        effectiveDate:
          type: string
          format: date
        transactions:
          type: array
          items:
            $ref: '#/components/schemas/AchTransferRequest'
          maxItems: 10000
    AccountReference:
      type: object
      required:
      - accountNumber
      - routingNumber
      properties:
        accountNumber:
          type: string
          description: Bank account number
        routingNumber:
          type: string
          pattern: ^\d{9}$
          description: ABA routing transit number (9 digits)
        accountType:
          type: string
          enum:
          - CHECKING
          - SAVINGS
          - LOAN
        accountHolderName:
          type: string
        bankName:
          type: string
        swiftCode:
          type: string
          description: SWIFT/BIC code for international wires
    AchTransfer:
      allOf:
      - $ref: '#/components/schemas/AchTransferRequest'
      - type: object
        properties:
          transferId:
            type: string
          status:
            type: string
            enum:
            - CREATED
            - SUBMITTED
            - SETTLED
            - RETURNED
            - REJECTED
          traceNumber:
            type: string
            description: NACHA trace number
          createdAt:
            type: string
            format: date-time
    AchTransferRequest:
      type: object
      required:
      - amount
      - entryClassCode
      - transactionType
      - debtorAccount
      - creditorAccount
      properties:
        amount:
          type: number
          format: double
          minimum: 0.01
        entryClassCode:
          type: string
          enum:
          - PPD
          - CCD
          - CTX
          - WEB
          - TEL
          - ARC
          - BOC
          - POP
          - RCK
          description: NACHA Standard Entry Class code
        transactionType:
          type: string
          enum:
          - CREDIT
          - DEBIT
        debtorAccount:
          $ref: '#/components/schemas/AccountReference'
        creditorAccount:
          $ref: '#/components/schemas/AccountReference'
        description:
          type: string
          maxLength: 10
          description: Company entry description (appears on bank statement)
        effectiveDate:
          type: string
          format: date
        sameDayAch:
          type: boolean
          default: false
    AchBatch:
      type: object
      properties:
        batchId:
          type: string
        status:
          type: string
          enum:
          - RECEIVED
          - VALIDATED
          - SUBMITTED
          - SETTLED
          - REJECTED
        transactionCount:
          type: integer
        totalDebits:
          type: number
        totalCredits:
          type: number
        createdAt:
          type: string
          format: date-time
  securitySchemes:
    OAuth2ClientCredentials:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://api.fisglobal.com/oauth/token
          scopes:
            payments:read: Read payment data
            payments:write: Create and modify payments
            accounts:read: Read account information
externalDocs:
  description: FIS CodeConnect Developer Portal
  url: https://codeconnect.fisglobal.com/