established · -0.1 capability resource

ACH

Score 24.8 / 100 54 providers +20 via APIs 37 APIs Search apis.io →
Business capabilities this tag reaches
Payments & Card Management 3

Providers using this tag (53)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 3 Complete, well-documented, and agent-ready
StaxPaymentsPayment ProcessingMerchant ServicesEmbedded Payments1 API72.4Method FinancialCompanyFintechLiability DataPayments2 APIs67.3HighnoteCard IssuingCard AcquiringEmbedded FinanceBanking as a Service1 API67.0
Strong 7 Solid coverage with minor gaps
UnitFintechBanking as a ServiceBankingPayments20 APIs65.0DwollaPaymentsBank TransfersFintech20 APIs61.6NarmiCompanyFintechDigital BankingBanking1 API59.9VoPayPaymentsCanadaEmbedded FinancePayments-as-a-Service25 APIs57.5SoFi TechnologiesFintechPaymentsBankingCard Issuing11 APIs56.9PayabliCompanyPaymentsEmbedded PaymentsFintech2 APIs56.6RainforestCompanyPaymentsEmbedded PaymentsPayment Facilitator10 APIs54.3
Developing 16 Usable, with meaningful gaps to close
HelcimPaymentsCanadaPayment GatewayPayment Processing1 API53.0ConnexPayPaymentsVirtual CardsCard IssuingMerchant Acquiring10 APIs52.0Shift4PaymentsUnited StatesPayment ProcessingPayment Gateway1 API50.4PayWithMyBank (Trustly)CompanyPaymentsPay by BankOpen Banking1 API49.8GoCardlessPaymentsDirect DebitBank DebitRecurring Payments1 API49.1TabaPayCompanyFintechPaymentsInstant Payments1 API48.3BondCompanyUnited StatesBanking as a ServiceEmbedded Finance9 APIs48.2IncreaseFintechBankingPayments2 APIs48.1AeropayPaymentsPay by BankOpen Banking2 APIs47.6Western Alliance BancorporationBankingFinancial ServicesTreasury ManagementPayments12 APIs45.5PayEnginePaymentsEmbedded PaymentsPayment FacilitationMerchant Onboarding1 API45.3InterchecksPaymentsPayoutsReal-Time Payments2 APIs43.3KeyCorpBankingCommercial BankingFinancial ServicesFortune 5009 APIs42.0Modern TreasuryFintechPaymentsWires1 API42.0OrumCompanyPaymentsFintechBanking1 API41.8Fifth Third BancorpBankingUnited StatesEmbedded FinanceBanking as a Service2 APIs40.9
Thin 14 Limited public surface area
Q2CompanyFinancial ServicesBankingEmbedded Finance1 API38.6MelioB2B PaymentsAccounts PayableAccounts ReceivableBill Pay1 API38.5AstraCompanyPaymentsFintechMoney Movement1 API37.6ColumnFintechBankingBanking as a Service1 API37.3NachaPaymentsUnited StatesAccount-to-Account24 APIs36.1Treasury PrimeFintechBanking as a ServiceBankingPayments1 API36.0RotessaPaymentsCanadaPre-Authorized Debit1 API34.8First Citizens BancSharesBankingFinancial ServicesCommercial BankingPayments10 APIs33.6PayStandCompanyPaymentsB2B PaymentsAccounts Receivable1 API33.2PayNearMeCompanyFintechPaymentsBilling31.2SilaEmbedded FinanceBanking as a ServicePaymentsDigital Wallet1 API30.8Cross River BankBankingBanking as a ServiceSponsor BankEmbedded Finance8 APIs29.6HighlineEmbedded FinancePayrollPayments1 API27.3BillGOPaymentsBill PayFinancial ServicesBanking1 API27.1
Emerging 11 Early or largely undocumented
Electronic payment Exchange IncCompanyPaymentsPayment ProcessingMerchant Acquiring1 API26.0NiveloCompanyPaymentsFintech1 API25.0DeluxePaymentsMerchant ServicesCard Processing4 APIs24.0Galileo Financial TechnologiesFintechBanking as a ServiceCard IssuingBanking1 API23.3FlexPointCompanyFintechPaymentsBilling20.0PlootoPaymentsCanadaAccounts PayableAccounts Receivable19.5FinliCompanyFintechPaymentsInvoicing18.7MesaCompanyFintechPaymentsInvoice Financing1 API15.3HeadnoteCompanyLegalLegal TechPayments13.7WholesailCompanyFintechPaymentsAccounts Receivable12.6First HorizonUnited StatesBankingFinancial ServicesTreasury Management5 APIs11.6
Minimal 2 Almost no public developer surface
BalancedCompanyPaymentsFintechMarketplace Payments0.0SynapseCompanyBankingBanking as a ServiceFintech0.0

APIs with this tag (37)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Strong 1 Solid coverage with minor gaps
FIS Global ACH APIACH (Automated Clearing House) payment operations58.6
Developing 9 Usable, with meaningful gaps to close
Akoya Payments APIProvides secure, consumer-permissioned access to ACH and real-time payment (RTP) account credentials — toke...52.0Shift4 ACH APIThe ACH API from Shift4 — 5 operation(s) for ach.50.4Bond Transfers APIMove money between accounts with ACH transfers and account-to-account fund transfers, and link and manage e...48.2Aeropay WebhooksOutbound HTTPS webhook deliveries covering nine topics across the ACH, RfP and RTP rails — transaction_comp...47.6Finicity Payments (Account Validation) APIValidates account ownership and status for ACH and account-funding flows, returning account, routing and ow...47.2Wells Fargo ACH Payments APIThe Wells Fargo ACH Payments API enables commercial banking customers to initiate ACH credit and debit tran...44.0KeyCorp ACH APIThe ACH API from KeyCorp — 1 operation(s) for ach.42.0Mercury Payments APISends outbound ACH and domestic wire payments from a Mercury account to a recipient. Includes operations fo...40.2Montran Automated Clearing HouseAn electronic clearing system that enables the full spectrum of payment instructions to be exchanged among ...39.7
Thin 17 Limited public surface area
Helix by Q2 APIThe Helix by Q2 REST API lets developers incorporate real FDIC-insured savings and/or checking accounts int...38.6Melio Payments APIREST API for managing bills, vendors, payment methods, and scheduling payments. Supports ACH transfers, che...38.5Thredd Accounts APIAccount-level endpoints supporting account records and money-movement flows (including ACH / micro-deposit ...37.8Astra APIAstra's REST API (v1) for embedding instant money movement — accounts, users, cards, transfers, payment ins...37.6Column ACH Transfers APIThe ACH Transfers API from Column — 4 operation(s) for ach transfers.37.3Column WebhooksHMAC-SHA256 signed event callbacks for ACH, wire, international wire (SWIFT), realtime (RTP/FedNow), book t...37.3EFT Payment APISupports creation and submission of Electronic Funds Transfers (EFTs), including inquiring on payment and f...36.3Gusto Embedded Payroll APIThe Gusto Embedded Payroll API enables platforms to build and embed modern payroll, benefits, and HR toolin...36.0QuickBooks Payments APIREST API for processing credit card, ACH, and eCheck payments through Intuit's payments platform, with supp...34.2Paysafe Payments APIThe core REST API to process payments from customers across multiple payment methods including credit and d...34.0Green Dot ACH APIACH APIs support ACH transfers into and out of BaaS accounts, including retrieval and filtering of ACH tran...33.6SVB ACH Transfers APIThe ACH Transfers API (v2.1) originates domestic ACH credits and debits, verified ACH transfers, and IAT (I...33.6Paystand Developer APIPaystand v3 REST API for B2B payments: create and manage payments, refunds, disputes, payers, customer bank...33.2Lead Bank ACH APIThe ACH API from Lead Bank — 5 operation(s) for ach.32.8Lead Bank Move APIMoney-movement API spanning ACH, instant payments (RTP / FedNow), domestic and international wires, stablec...32.8Cross River Payments APIUnified payments API covering ACH and Same-Day ACH, FedNow and RTP instant payments, domestic and internati...29.6Citi Money Movement APIThe Citi Money Movement API enables authorized payment initiation from Citi retail accounts, including dome...28.6
Emerging 8 Early or largely undocumented
Synctera ACH APICreate and manage payments25.6Novo PaymentsNovo money movement - invoicing, ACH transfers, and faster payouts (Express ACH). These capabilities are de...25.3Nivelo Scorer APINivelo's real-time ACH return-risk scoring API. A RESTful endpoint that accepts ACH transaction data as JSO...25.0Galileo Payment Hub APIREST API for ACH, RTP, Bill Pay, and other payments rails.23.3Peoples Group EFT APIElectronic Funds Transfer API for pre-authorized debits and credits to and from Canadian-domiciled accounts...20.0Zions ACH PaymentsZions ACH Payments is a payment disbursement solution enabling businesses to pay employees, suppliers, vend...15.4Zions Treasury Internet BankingZions Treasury Internet Banking provides businesses with a secure online platform for managing treasury ope...15.4ACH OriginationThe ACH Origination API lets First Horizon Treasury Management clients originate ACH transactions directly ...11.6
Minimal 2 Almost no public developer surface
PNC ePayments APIePayments API from PNC's developer portal for programmatically initiating and tracking electronic payments ...10.6Columbia API BankingFirst-party commercial and treasury-management API product from Columbia Bank, providing programmatic acces...9.3

Companies reaching this through an API (20)

These companies publish an API, specification or operation carrying “ACH” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.

Akoya Citigroup Columbia Bank Finicity FIS Global Green Dot Gusto Lead Bank Mercury Montran Novo Paysafe Peoples Group PNC QuickBooks Scotiabank Synctera Thredd Wells Fargo Zions Bancorporation

Score breakdown

Frequency
53.5
log-scaled weighted occurrences
Breadth
1.4
spread across providers
Quality lift
47.9
mean composite of providers using it
Cohesion
10.3
strength of nearest seed neighbor

Where this tag sits

Payments broader

Related tags

Real-Time Payments 15 co-occurrences Money Movement 12 co-occurrences Wire Transfers 10 co-occurrences Banking as a Service 17 co-occurrences Instant Payments 10 co-occurrences Card Issuing 12 co-occurrences RTP 7 co-occurrences Cards 20 co-occurrences

Where this tag comes from

Provider tag54
Api tag36
Asyncapi tag1
Openapi tag3
Openapi op tag7

Cohort brief

Auto-generated

The 52 providers in the APIs.io catalog tagged ACH, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
52
of 54 in the catalog
Mean Kin Score
40.4
+17.5 vs catalog 22.9
Mean Agent Readiness
28
+16.1 vs catalog 11.9
Spread
11.6–72.4
median 40.9 · σ 15.3
How the 52 split by band
Exemplar 3Strong 8Developing 16Thin 14Emerging 11Minimal 0
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 45.6 23.2 +22.4 52
Contract Quality 38.6 17.6 +21 52
Operational Transparency 31.3 13.7 +17.6 52
Access Clarity 42.4 26.5 +15.9 52
Discoverability 69.8 58.1 +11.7 52
Contract Governance 9.6 6.3 +3.3 52

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 23% 14% +9
MCP server (first-party) 23% 12% +11
Agent Skills 0% 0% 0
OAuth scopes 12% 11% +1
Security 100% 98% +2
Arazzo workflows 6% 2% +4
Governance rules 4% 14% -10

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Stax 72.4
  2. 2 Method Financial 67.3
  3. 3 Highnote 67
  4. 4 Unit 64.5
  5. 5 Dwolla 61.6
  6. 6 Narmi 59.9
  7. 7 Finix Payments 58
  8. 8 VoPay 57
  9. 9 Payabli 56.6
  10. 10 SoFi Technologies 56.4
Top by Agent Readiness
  1. 1 Dwolla 52.9
  2. 2 SoFi Technologies 52.6
  3. 3 Stax 52.3
  4. 4 Shift4 51.4
  5. 5 GoCardless 50.3
  6. 6 Payabli 49.9
  7. 7 Western Alliance Bancorporation 49.8
  8. 8 PayWithMyBank (Trustly) 44
  9. 9 Fifth Third Bancorp 43.7
  10. 10 Rainforest 41.5
All 54 members of this roster resolve to a provider in the catalog; 52 carry a score (96%). The figures above describe the scored members only.
Coverage caveat. 47 of 52 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.Generated from the catalog build of 5 October 2026, across 29093 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

Work with this as data

Every tag here is available over the APIs.io API and to AI agents over MCP.

MCP server

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https://apis.io/mcp

Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

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The distribution (Pro) 
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