established · 1.0

ACH

Score 25.3 / 100 73 providers 61 APIs Search apis.io →
Business capabilities this tag reaches
Payments & Card Management 4

Providers using this tag (73)

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

Exemplar 4 Complete, well-documented, and agent-ready
HighnoteCard IssuingCard AcquiringEmbedded FinanceBanking-as-a-Service1 API73.4UnitFintechBaaSBankingPayments18 APIs71.8MethodFiCompanyFintechLiability DataPayments2 APIs69.0PlaidFinancialFintechOpen BankingBank Accounts71 APIs68.7
Strong 6 Solid coverage with minor gaps
Finix PaymentsCompanyPaymentsPayment ProcessingPayment Facilitation1 API63.8DwollaPaymentsBank TransfersFintech19 APIs61.8PayabliCompanyPaymentsEmbedded PaymentsFintech2 APIs61.3NarmiCompanyFintechDigital BankingBanking1 API57.1RainforestCompanyPaymentsEmbedded PaymentsPayment Facilitator7 APIs56.8HelcimPaymentsCanadaPayment GatewayPayment Processing1 API55.8
Developing 23 Usable, with meaningful gaps to close
AkoyaFintechOpen BankingOpen FinanceAggregator11 APIs53.8TabaPayCompanyFintechPaymentsInstant Payments1 API52.7ConnexPayPaymentsVirtual CardsCard IssuingMerchant Acquiring10 APIs51.9Shift4PaymentsUnited StatesPayment ProcessingPayment Gateway1 API51.8BondCompanyUnited StatesBanking as a ServiceEmbedded Finance9 APIs50.8FinicityFinancial-ServicesData AggregationOpen FinanceOpen Banking1 API50.6VoPayPaymentsCanadaEmbedded FinancePayments as a Service23 APIs49.6GoCardlessPaymentsDirect DebitBank DebitRecurring Payments1 API46.3PayWithMyBank (Trustly)CompanyPaymentsPay by BankOpen Banking1 API46.2BMOFinancial-ServicesBankingUnited StatesOpen Finance11 APIs45.8Cross RiverEmbedded FinanceBanking as a ServiceBaaSPayments1 API45.8OrumCompanyPaymentsFintechBanking1 API45.7KeyCorpBankingCommercial BankingFinancial-ServicesFortune 5009 APIs44.5Modern TreasuryFintechPaymentsWires1 API43.7MontranBankingCentral BankingFinancial-ServicesISO 200226 APIs43.4ScotiabankBankingFinancePaymentsCanada1 API41.7ThreddPaymentsUnited KingdomIssuer ProcessorCard Issuing10 APIs41.7MelioB2B PaymentsAccounts PayableAccounts ReceivableBill Pay1 API41.3IncreaseFintechBankingPayments1 API41.0AstraCompanyPaymentsFintechMoney Movement1 API40.7Q2CompanyFinancial-ServicesBankingEmbedded Finance1 API40.6Fifth Third BancorpBankingUnited StatesEmbedded FinanceBanking as a Service1 API39.8Customers BankFinancial-ServicesBankingUnited StatesBanking-as-a-Service10 APIs39.4
Thin 22 Limited public surface area
Wells FargoFortune 1002 APIs38.9NachaPaymentsUnited StatesAccount-to-Account24 APIs38.7ColumnFintechBankingBaaS1 API38.5PaymentusPaymentsUnited StatesBill PaymentElectronic Bill Presentment2 APIs38.3Treasury PrimeFintechBaaSBankingPayments1 API37.6Green Dot CorporationFintechBanking as a ServiceEmbedded FinancePrepaid Cards17 APIs36.8GustoHuman ResourcesPayrollBenefitsEnterprise Software1 API36.3First Citizens BancSharesBankingFinancial-ServicesCommercial BankingPayments10 APIs35.5MercuryBankingFintechStartupsTreasury1 API35.3PayStandCompanyPaymentsB2B PaymentsAccounts Receivable1 API35.3QuickBooksAccountingBookkeepingSmall BusinessFinancials3 APIs35.0Lead BankBankingSponsor BankEmbedded FinanceBanking as a Service1 API34.6PaysafePaymentsDigital WalletPrepaid CardsFinancial-Services9 APIs34.5SilaEmbedded FinanceBanking as a ServicePaymentsDigital Wallet1 API34.0PayNearMeCompanyFintechPaymentsBilling33.6FIS GlobalBankingCore BankingFinancial-ServicesPayments1 API32.6RotessaPaymentsCanadaPre-Authorized Debit1 API30.6CitigroupBankingFinancial-ServicesUnited StatesMoney Center Bank11 APIs30.0BillGOPaymentsBill PayFinancial-ServicesBanking1 API29.4HighlineEmbedded FinancePayrollPayments1 API28.9SyncteraFintechBaaSBankingPayments1 API27.0Electronic payment Exchange IncCompanyPaymentsPayment ProcessingMerchant Acquiring1 API26.4
Emerging 15 Early or largely undocumented
NiveloCompanyPaymentsFintech1 API26.0NovoBankingBusiness BankingFintechSmall Business1 API25.9CRBCompanyBankingBanking as a ServiceEmbedded Finance1 API25.3Deluxe CorporationPaymentsMerchant ServicesCard Processing4 APIs25.2Galileo Financial TechnologiesFintechBaaSCard IssuingBanking1 API24.0FlexPointCompanyFintechPaymentsBilling21.4Peoples GroupPaymentsCanadaBanking-as-a-ServiceCard Issuing5 APIs21.1PlootoPaymentsCanadaAccounts PayableAccounts Receivable19.7FinliCompanyFintechPaymentsInvoicing19.0Cross River BankBankingBanking as a ServiceSponsor BankEmbedded Finance8 APIs15.6MesaCompanyFintechPaymentsInvoice Financing1 API15.5Zions BancorporationBankingFinancial-ServicesTreasury ManagementPayments3 APIs14.5HeadnoteCompanyLegalLegal TechPayments13.9WholesailCompanyFintechPaymentsAccounts Receivable12.4First HorizonUnited StatesBankingFinancial-ServicesTreasury Management5 APIs11.1
Minimal 3 Almost no public developer surface
PNCBankingFinancial-ServicesUnited StatesTreasury Management6 APIs10.1Columbia BankFinancial-ServicesBankingUnited StatesRegional Bank1 API8.4BalancedCompanyPaymentsFintechMarketplace Payments0.1

APIs with this tag (41)

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 →

Exemplar 1 Complete, well-documented, and agent-ready
Highnote Money Movement APIMove funds across multiple payment rails from a single API surface (initiateTransferBetweenFinancialAccount...73.4
Strong 3 Solid coverage with minor gaps
Dwolla mass payments APIOperations related to Mass Payments61.8Dwolla Transfers APIOperations related to Transfers61.8Helcim ACH Payment APIThe ACH Payment API from Helcim — 8 operation(s) for ach payment.55.8
Developing 11 Usable, with meaningful gaps to close
Akoya Payments APIProvides secure, consumer-permissioned access to ACH and real-time payment (RTP) account credentials — toke...53.8Shift4 ACH APIThe ACH API from Shift4 — 5 operation(s) for ach.51.8Bond Transfers APIMove money between accounts with ACH transfers and account-to-account fund transfers, and link and manage e...50.8Finicity Payments (Account Validation) APIValidates account ownership and status for ACH and account-funding flows, returning account, routing and ow...50.6Cross River ACH APIACH origination and receipt (COS Payments, /ach).45.8Montran Automated Clearing HouseAn electronic clearing system that enables the full spectrum of payment instructions to be exchanged among ...43.4EFT Payment APISupports creation and submission of Electronic Funds Transfers (EFTs), including inquiring on payment and f...41.7Thredd Accounts APIAccount-level endpoints supporting account records and money-movement flows (including ACH / micro-deposit ...41.7Melio 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...40.7Helix by Q2 APIThe Helix by Q2 REST API lets developers incorporate real FDIC-insured savings and/or checking accounts int...40.6
Thin 16 Limited public surface area
Wells Fargo ACH Payments APIThe Wells Fargo ACH Payments API enables commercial banking customers to initiate ACH credit and debit tran...38.9Nacha Initiate Payment APIThe Initiate Payment API from Nacha — 1 operation(s) for initiate payment.38.7Column ACH Transfers APIThe ACH Transfers API from Column — 4 operation(s) for ach transfers.38.5Column WebhooksHMAC-SHA256 signed event callbacks for ACH, wire, international wire (SWIFT), realtime (RTP/FedNow), book t...38.5Green Dot ACH APIACH APIs support ACH transfers into and out of BaaS accounts, including retrieval and filtering of ACH tran...36.8Gusto Embedded Payroll APIThe Gusto Embedded Payroll API enables platforms to build and embed modern payroll, benefits, and HR toolin...36.3SVB ACH Transfers APIThe ACH Transfers API (v2.1) originates domestic ACH credits and debits, verified ACH transfers, and IAT (I...35.5Mercury Payments APISends outbound ACH and domestic wire payments from a Mercury account to a recipient. Includes operations fo...35.3Paystand Developer APIPaystand v3 REST API for B2B payments: create and manage payments, refunds, disputes, payers, customer bank...35.3QuickBooks Payments APIREST API for processing credit card, ACH, and eCheck payments through Intuit's payments platform, with supp...35.0Lead Bank ACH APIThe ACH API from Lead Bank — 5 operation(s) for ach.34.6Lead Bank Move APIMoney-movement API spanning ACH, instant payments (RTP / FedNow), domestic and international wires, stablec...34.6Paysafe Payments APIThe core REST API to process payments from customers across multiple payment methods including credit and d...34.5FIS Global ACH APIACH (Automated Clearing House) payment operations32.6Citi Money Movement APIThe Citi Money Movement API enables authorized payment initiation from Citi retail accounts, including dome...30.0Synctera ACH APICreate and manage payments27.0
Emerging 8 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...26.0Novo PaymentsNovo money movement - invoicing, ACH transfers, and faster payouts (Express ACH). These capabilities are de...25.9Galileo Payment Hub APIREST API for ACH, RTP, Bill Pay, and other payments rails.24.0Peoples Group EFT APIElectronic Funds Transfer API for pre-authorized debits and credits to and from Canadian-domiciled accounts...21.1Cross River Payments APIUnified payments API covering ACH and Same-Day ACH, FedNow and RTP instant payments, domestic and internati...15.6Zions 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 ...11.1
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

Score breakdown

Frequency
55.6
log-scaled weighted occurrences
Breadth
2.0
spread across providers
Quality lift
45.9
mean composite of providers using it
Cohesion
11.5
strength of nearest seed neighbor

Related tags

Instant Payments 14 co-occurrences Real-Time Payments 15 co-occurrences Money Movement 12 co-occurrences RTP 10 co-occurrences Banking as a Service 13 co-occurrences Cards 22 co-occurrences Card Issuing 11 co-occurrences FedNow 7 co-occurrences

Where this tag comes from

Api tag59
Provider tag50
Asyncapi tag1
Openapi tag3
Openapi op tag8

Cohort brief

Auto-generated

The 73 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
73
all scored
Mean Kin Score
37.8
+17.1 vs catalog 20.7
Mean Agent Readiness
22.9
+13.2 vs catalog 9.7
Spread
0.1–75.4
median 37.1 · σ 16.3
How the 73 split by band
Exemplar 4Strong 9Developing 18Thin 25Emerging 15Minimal 2
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Contract Quality 39.7 17.5 +22.2 73
Developer Ergonomics 37.6 17.9 +19.7 73
Discoverability 75.1 60.4 +14.7 73
Operational Transparency 25.8 11.3 +14.5 73
Access Clarity 32.9 22.3 +10.6 73
Contract Governance 13.8 6.4 +7.4 73

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) 40% 16% +24
MCP server (first-party) 12% 7% +5
Agent Skills 0% 0% 0
OAuth scopes 19% 9% +10
Security 99% 88% +11
Arazzo workflows 4% 2% +2
Governance rules 15% 13% +2

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 Highnote 75.4
  2. 2 Unit 73.3
  3. 3 MethodFi 71.4
  4. 4 Plaid 68.2
  5. 5 Finix Payments 65.8
  6. 6 Payabli 63.5
  7. 7 Dwolla 62.6
  8. 8 Narmi 59.1
  9. 9 Rainforest 58.3
  10. 10 Helcim 57.7
Top by Agent Readiness
  1. 1 Shift4 51.4
  2. 2 PayWithMyBank (Trustly) 50.5
  3. 3 Payabli 50.3
  4. 4 Dwolla 48.6
  5. 5 Customers Bank 48.4
  6. 6 Narmi 42.5
  7. 7 Rainforest 41.5
  8. 8 TabaPay 41.5
  9. 9 ConnexPay 41.2
  10. 10 KeyCorp 40.1
All 73 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 25 August 2026, across 26891 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.

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