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.
   • Webhooks: transfer.created, ach.originated.credit
   • If daily/monthly limits are exceeded, an error is thrown, and the transfer and transaction are not created)
3. Solid Ops team reviews the transfer
   • If declined, a reversal is created.
     • Webhook: ach.reversal.debit
   • If approved, ACH is sent to bank in a daily batch job.
     • Webhooks: transfer.updated, ach.originated.credit
4. Bank reviews the ACH
   • If declined, a reversal is created with a reviewCode. 
     • Webhook: ach.reversal.debit
   • If approved, funds come to Solid FBO account.
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.
     • Webhook: ach.reversal.debit
6. Solid Ops team releases the funds to user account.
   • Webhooks: transfer.updated, ach.originated.credit

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