# Wells Fargo ACH Payments API

**Canonical:** https://apis.io/apis/wells-fargo/ach-payments-api/  
**Provider:** wells-fargo — https://apis.io/providers/wells-fargo/  
**Base URL:** https://api.wellsfargo.com  
**Documentation:** https://developer.wellsfargo.com/documentation/api-references/ach-payments/v2/ach-payments-api-ref-v2

Wells Fargo ACH Payments API is one of 6 APIs that [wells-fargo](https://apis.io/providers/wells-fargo/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. This API exposes 2 JSON Schema definitions. Tagged areas include Banking, Financial-Services, Payments, ACH, and Treasury Management. The published artifact set on APIs.io includes API documentation, an OpenAPI specification, and 2 JSON Schemas.

The Wells Fargo ACH Payments API enables commercial banking customers to initiate ACH credit and debit transactions, including same-day ACH, for payroll, vendor payments, and collections. The API integrates with Wells Fargo's intelligent payment routing that automatically selects the optimal rail including RTP, FedNow, and ACH for each transaction.

## Machine-readable artifacts (7)

- **Documentation** — https://developer.wellsfargo.com/documentation/api-references/ach-payments/v2/ach-payments-api-ref-v2
- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/wells-fargo/refs/heads/main/openapi/wells-fargo-ach-payments-api-openapi.yml
- **JSONSchema** — https://raw.githubusercontent.com/api-evangelist/wells-fargo/refs/heads/main/json-schema/wells-fargo-ach-payment-schema.json
- **JSONStructure** — https://raw.githubusercontent.com/api-evangelist/wells-fargo/refs/heads/main/json-structure/wells-fargo-ach-payment-structure.json
- **Examples** — https://raw.githubusercontent.com/api-evangelist/wells-fargo/refs/heads/main/examples/wells-fargo-ach-payments-api-initiateAchPayment-example.json
- **SpectralRuleset** — https://raw.githubusercontent.com/api-evangelist/wells-fargo/refs/heads/main/rules/wells-fargo-rules.yml
- **APIsJSON** — https://raw.githubusercontent.com/api-evangelist/wells-fargo/refs/heads/main/apis.yml

## Other wells-fargo APIs (5)

- [wells-fargo Accounts API](https://apis.io/apis/wells-fargo/wells-fargo-accounts-api/)
- [wells-fargo Payment Batches API](https://apis.io/apis/wells-fargo/wells-fargo-payment-batches-api/)
- [wells-fargo Payment Returns API](https://apis.io/apis/wells-fargo/wells-fargo-payment-returns-api/)
- [wells-fargo Payments API](https://apis.io/apis/wells-fargo/wells-fargo-payments-api/)
- [wells-fargo Transactions API](https://apis.io/apis/wells-fargo/wells-fargo-transactions-api/)

## Tags

Banking, Financial-Services, Payments, ACH, Treasury Management

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