ACH Transfer Flow

When an ACH transfer is initiated, it goes through a process of review by both Solid and the bank, before the funds are ultimately transferred to the end user's account. Here's an outline of the process:

  1. User initiated an ACH pull by the program calling the Receive an ACH Pull API.
  2. A Transfer is created on Solid platform and a pending credit transaction is created in the user’s account.
  3. Solid Ops team reviews the transfer
    • If declined, a reversal is created
    • If approved, ACH is sent to bank in a daily batch job
  4. Bank reviews the ACH
  5. Solid Ops team wait for up to 3 business days to wait out any reversals
    • If any reversal comes in from the network, a reversal is created on Solid
  6. Solid Ops team releases the funds to user account


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