established · 0.0 capability resource

ACH

Score 24.8 / 100 55 providers +20 via APIs 38 APIs Search apis.io →

Providers using this tag (55)

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

Exemplar 4 Complete, well-documented, and agent-ready
StaxPaymentsPayment ProcessingMerchant ServicesEmbedded Payments1 API76.4HighnoteCard IssuingCard AcquiringEmbedded FinanceBanking as a Service1 API71.8MethodFiCompanyFintechLiability DataPayments2 APIs71.4UnitFintechBackend-as-a-ServiceBankingPayments18 APIs70.3
Strong 7 Solid coverage with minor gaps
Finix PaymentsCompanyPaymentsPayment ProcessingPayment Facilitation1 API62.2PayabliCompanyPaymentsEmbedded PaymentsFintech2 APIs60.0SoFi TechnologiesFintechPaymentsBankingCard Issuing11 APIs60.0DwollaPaymentsBank TransfersFintech19 APIs59.5RainforestCompanyPaymentsEmbedded PaymentsPayment Facilitator7 APIs57.9HelcimPaymentsCanadaPayment GatewayPayment Processing1 API55.8NarmiCompanyFintechDigital BankingBanking1 API55.5
Developing 19 Usable, with meaningful gaps to close
Shift4PaymentsUnited StatesPayment ProcessingPayment Gateway1 API53.7TabaPayCompanyFintechPaymentsInstant Payments1 API52.0VoPayPaymentsCanadaEmbedded FinancePayments-as-a-Service23 APIs51.9PayWithMyBank (Trustly)CompanyPaymentsPay by BankOpen Banking1 API51.4BondCompanyUnited StatesBanking as a ServiceEmbedded Finance9 APIs51.0ConnexPayPaymentsVirtual CardsCard IssuingMerchant Acquiring10 APIs51.0AeropayPaymentsPay by BankOpen Banking2 APIs50.1PayEnginePaymentsEmbedded PaymentsPayment FacilitationMerchant Onboarding1 API48.5Western Alliance BancorporationBankingFinancial-ServicesTreasury ManagementPayments17 APIs46.4Modern TreasuryFintechPaymentsWires1 API45.8InterchecksPaymentsPayoutsReal-Time Payments2 APIs45.7GoCardlessPaymentsDirect DebitBank DebitRecurring Payments1 API45.4OrumCompanyPaymentsFintechBanking1 API44.8KeyCorpBankingCommercial BankingFinancial-ServicesFortune 5009 APIs44.1MelioB2B PaymentsAccounts PayableAccounts ReceivableBill Pay1 API41.3AstraCompanyPaymentsFintechMoney Movement1 API40.4Fifth Third BancorpBankingUnited StatesEmbedded FinanceBanking as a Service1 API40.4Q2CompanyFinancial-ServicesBankingEmbedded Finance1 API40.4IncreaseFintechBankingPayments1 API40.3
Thin 12 Limited public surface area
NachaPaymentsUnited StatesAccount-to-Account24 APIs38.3ColumnFintechBankingBackend-as-a-Service1 API37.9Treasury PrimeFintechBackend-as-a-ServiceBankingPayments1 API37.6PayStandCompanyPaymentsB2B PaymentsAccounts Receivable1 API35.3First Citizens BancSharesBankingFinancial-ServicesCommercial BankingPayments10 APIs35.2PayNearMeCompanyFintechPaymentsBilling33.3SilaEmbedded FinanceBanking as a ServicePaymentsDigital Wallet1 API32.5Cross River BankBankingBanking as a ServiceSponsor BankEmbedded Finance8 APIs30.3RotessaPaymentsCanadaPre-Authorized Debit1 API29.9BillGOPaymentsBill PayFinancial-ServicesBanking1 API29.4HighlineEmbedded FinancePayrollPayments1 API28.9Electronic payment Exchange IncCompanyPaymentsPayment ProcessingMerchant Acquiring1 API26.4
Emerging 11 Early or largely undocumented
NiveloCompanyPaymentsFintech1 API26.0CRBCompanyBankingBanking as a ServiceEmbedded Finance1 API25.3Deluxe CorporationPaymentsMerchant ServicesCard Processing4 APIs24.5Galileo Financial TechnologiesFintechBackend-as-a-ServiceCard IssuingBanking1 API24.1FlexPointCompanyFintechPaymentsBilling21.4PlootoPaymentsCanadaAccounts PayableAccounts Receivable19.7FinliCompanyFintechPaymentsInvoicing19.0MesaCompanyFintechPaymentsInvoice Financing1 API14.8HeadnoteCompanyLegalLegal TechPayments13.9WholesailCompanyFintechPaymentsAccounts Receivable12.4First HorizonUnited StatesBankingFinancial-ServicesTreasury Management5 APIs11.4
Unrated 2 Not yet scored
BalancedCompanyPaymentsFintechMarketplace PaymentsSynapseCompanyBankingBanking as a ServiceFintech

APIs with this tag (38)

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 operations61.7
Developing 12 Usable, with meaningful gaps to close
Shift4 ACH APIThe ACH API from Shift4 — 5 operation(s) for ach.53.7Akoya Payments APIProvides secure, consumer-permissioned access to ACH and real-time payment (RTP) account credentials — toke...53.5Bond Transfers APIMove money between accounts with ACH transfers and account-to-account fund transfers, and link and manage e...51.0Aeropay WebhooksOutbound HTTPS webhook deliveries covering nine topics across the ACH, RfP and RTP rails — transaction_comp...50.1Finicity Payments (Account Validation) APIValidates account ownership and status for ACH and account-funding flows, returning account, routing and ow...49.7Western Alliance Bank ACH API (Beta)Beta. Originates an ACH batch (NACHA batch header + entry details) for credit or debit. Family: Transaction...46.4KeyCorp ACH APIThe ACH API from KeyCorp — 1 operation(s) for ach.44.1Montran Automated Clearing HouseAn electronic clearing system that enables the full spectrum of payment instructions to be exchanged among ...42.7Thredd Accounts APIAccount-level endpoints supporting account records and money-movement flows (including ACH / micro-deposit ...41.4Melio Payments APIREST API for managing bills, vendors, payment methods, and scheduling payments. Supports ACH transfers, che...41.3Astra APIAstra's REST API (v1) for embedding instant money movement — accounts, users, cards, transfers, payment ins...40.4Helix by Q2 APIThe Helix by Q2 REST API lets developers incorporate real FDIC-insured savings and/or checking accounts int...40.4
Thin 16 Limited public surface area
EFT Payment APISupports creation and submission of Electronic Funds Transfers (EFTs), including inquiring on payment and f...39.1Column ACH Transfers APIThe ACH Transfers API from Column — 4 operation(s) for ach transfers.37.9Column WebhooksHMAC-SHA256 signed event callbacks for ACH, wire, international wire (SWIFT), realtime (RTP/FedNow), book t...37.9Wells Fargo ACH Payments APIThe Wells Fargo ACH Payments API enables commercial banking customers to initiate ACH credit and debit tran...37.9Green Dot ACH APIACH APIs support ACH transfers into and out of BaaS accounts, including retrieval and filtering of ACH tran...36.5Gusto Embedded Payroll APIThe Gusto Embedded Payroll API enables platforms to build and embed modern payroll, benefits, and HR toolin...35.8Paystand Developer APIPaystand v3 REST API for B2B payments: create and manage payments, refunds, disputes, payers, customer bank...35.3SVB ACH Transfers APIThe ACH Transfers API (v2.1) originates domestic ACH credits and debits, verified ACH transfers, and IAT (I...35.2Mercury Payments APISends outbound ACH and domestic wire payments from a Mercury account to a recipient. Includes operations fo...35.0QuickBooks Payments APIREST API for processing credit card, ACH, and eCheck payments through Intuit's payments platform, with supp...34.8Paysafe Payments APIThe core REST API to process payments from customers across multiple payment methods including credit and d...34.5Lead Bank ACH APIThe ACH API from Lead Bank — 5 operation(s) for ach.33.8Lead Bank Move APIMoney-movement API spanning ACH, instant payments (RTP / FedNow), domestic and international wires, stablec...33.8Cross River Payments APIUnified payments API covering ACH and Same-Day ACH, FedNow and RTP instant payments, domestic and internati...30.3Citi Money Movement APIThe Citi Money Movement API enables authorized payment initiation from Citi retail accounts, including dome...30.0Novo PaymentsNovo money movement - invoicing, ACH transfers, and faster payouts (Express ACH). These capabilities are de...26.3
Emerging 7 Early or largely undocumented
Nivelo Scorer APINivelo's real-time ACH return-risk scoring API. A RESTful endpoint that accepts ACH transaction data as JSO...26.0Synctera ACH APICreate and manage payments26.0Galileo Payment Hub APIREST API for ACH, RTP, Bill Pay, and other payments rails.24.1Peoples Group EFT APIElectronic Funds Transfer API for pre-authorized debits and credits to and from Canadian-domiciled accounts...21.1Zions ACH PaymentsZions ACH Payments is a payment disbursement solution enabling businesses to pay employees, suppliers, vend...14.5Zions Treasury Internet BankingZions Treasury Internet Banking provides businesses with a secure online platform for managing treasury ope...14.5ACH OriginationThe ACH Origination API lets First Horizon Treasury Management clients originate ACH transactions directly ...11.4
Minimal 2 Almost no public developer surface
PNC ePayments APIePayments API from PNC's developer portal for programmatically initiating and tracking electronic payments ...10.1Columbia API BankingFirst-party commercial and treasury-management API product from Columbia Bank, providing programmatic acces...8.4

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 Corporation Gusto Lead Bank Mercury Montran Novo Paysafe Peoples Group PNC QuickBooks Scotiabank Synctera Thredd Wells Fargo Zions Bancorporation

Score breakdown

Frequency
53.6
log-scaled weighted occurrences
Breadth
1.5
spread across providers
Quality lift
46.9
mean composite of providers using it
Cohesion
10.7
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 Instant Payments 10 co-occurrences Card Issuing 12 co-occurrences Banking as a Service 13 co-occurrences RTP 7 co-occurrences Cards 21 co-occurrences

Where this tag comes from

Provider tag55
Api tag37
Asyncapi tag1
Openapi tag4
Openapi op tag12

Cohort brief

Auto-generated

The 53 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
53
all scored
Mean Kin Score
41.4
+17.4 vs catalog 24
Mean Agent Readiness
27.7
+15.3 vs catalog 12.4
Spread
11.4–76.4
median 40.4 · σ 16
How the 53 split by band
Exemplar 4Strong 7Developing 19Thin 12Emerging 11Minimal 0
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 45.9 23.4 +22.5 53
Contract Quality 41.3 20.1 +21.2 53
Operational Transparency 31.1 14 +17.1 53
Access Clarity 38.4 26.5 +11.9 53
Discoverability 71.7 61 +10.7 53
Contract Governance 9.4 6.5 +2.9 53

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) 20% 10% +10
MCP server (first-party) 22% 13% +9
Agent Skills 0% 0% 0
OAuth scopes 11% 11% 0
Security 96% 96% 0
Arazzo workflows 5% 2% +3
Governance rules 4% 13% -9

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 76.4
  2. 2 Highnote 71.8
  3. 3 MethodFi 71.4
  4. 4 Unit 70.3
  5. 5 Finix Payments 62.2
  6. 6 Payabli 60
  7. 7 SoFi Technologies 60
  8. 8 Dwolla 59.5
  9. 9 Rainforest 57.9
  10. 10 Helcim 55.8
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 Payabli 50.3
  6. 6 Western Alliance Bancorporation 49.8
  7. 7 GoCardless 47.8
  8. 8 PayWithMyBank (Trustly) 44
  9. 9 Fifth Third Bancorp 43.7
  10. 10 Narmi 42.5
All 55 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 20 September 2026, across 27620 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.

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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 →

Call it yourself

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All tags 
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As a scored cohort 
curl "https://apis.io/api/v1/cohorts/tag/ach"
The distribution (Pro) 
curl "https://apis.io/api/v1/cohorts/tag/ach/stats" \
  -H "X-API-Key: $APIS_IO_KEY"

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