Overview
Manage ACH, Wires, and Internal Transfers by choosing which transactions to allow or block for each account number.How It Works
Configure the controls through the create or update Account number API. Examples- To determine if incoming ACH credit is accepted, use
accept_credit. - To determine if incoming ACH debit is accepted, use
accept_debit.
counterparty_filter:
accept_allreject_allallowlist_only
counterparty_account_numbers_allowlist determine which counterparties are allowed to send or receive payments.
Default Behavior
If no controls are configured, the defaults will maintain the current permissive behavior:accept_credit=trueaccept_debit=truecounterparty_filter=accept_all
Handling Returns
Whenaccept_debit=false, inbound ACH debits will be returned with return code:
- R16: Access to the account is restricted due to action taken by the RDFI.
For more return code details, view the ACH Return & Rejections Codes guide.
Microdeposits & Reversals
To support standard ACH account verification and reversal processes, the Lead system will continue to allow ACH microdeposits and reversals, even when account number controls are enabled. This ensures these processes continue to work smoothly while you maintain full control over all other ACH activity.Control Attributes
ACH
| Attribute | Description | Type |
|---|---|---|
| ach_controls.originator_id | Identifier of the ACH originator associated with this account number. | string |
| ach_controls.incoming.accept_credit | Indicates whether this account number can receive ACH credits. | boolean |
| ach_controls.incoming.accept_debit | Indicates whether this account number can receive ACH debits. | boolean |
| ach_controls.incoming.counterparty_filter | Specifies which counterparties are allowed to send ACH transfers to this account number. Possible values: accept_all: All counterparties are allowed.allowlist_only : Only explicitly listed counterparties are allowed.reject_all: All counterparties are blocked. | enum |
| ach_controls.incoming.counterparty_company_ids_allowlist | List of Company IDs permitted to send incoming ACH transfers when counterparty_filter is allowlist_only. | array |
| ach_controls.outgoing.counterparty_filter | Specifies which counterparties this account number is allowed to send ACH transfers to. Possible values: accept_all: All counterparties are allowed.allowlist_only: Only explicitly listed counterparties are allowed.reject_all: All counterparties are blocked. | enum |
| ach_controls.outgoing.counterparty_account_numbers_allowlist | List of permitted outgoing ACH counterparties when counterparty_filter is allowlist_only.Each entry includes: type: Counterparty account type (e.g., us_domestic)account_number: Counterparty account numberrouting_number: Counterparty routing number | array of objects |
Wire
| Attribute | Description | Type |
|---|---|---|
| wire_controls.incoming.counterparty_filter | Specifies which counterparties are allowed to send wire transfers to this account number. Possible values: accept_all: All counterparties are allowed.allowlist_only: Only explicitly listed counterparties are allowed.reject_all: All counterparties are blocked. | enum |
| wire_controls.incoming.counterparty_account_numbers_allowlist | List of permitted incoming wire counterparties when counterparty_filter is allowlist_only.Each entry includes: type: Counterparty account type (e.g., us_domestic)account_number: Counterparty account numberrouting_number: Counterparty routing number | array of objects |
| wire_controls.outgoing.counterparty_filter | Specifies which counterparties this account number is allowed to send wire transfers to. Possible values: accept_all: All counterparties are allowed.allowlist_only: Only explicitly listed counterparties are allowed.reject_all: All counterpartries are blocked. | enum |
| wire_controls.outgoing.counterparty_account_numbers_allowlist | List of permitted outgoing wire counterparties when counterparty_filter is allowlist_only.Each entry includes: type: Counterparty account type (e.g., us_domestic)account_number: Counterparty account number routing_number: Counterparty routing number | array of objects |
Internal Transfers
| Attribute | Description | Type |
|---|---|---|
| internal_transfer_controls.incoming.counterparty_filter | Specifies which counterparties are allowed to send internal transfers to this account number. Possible values: accept_all: All counterparties are allowed.allowlist_only: Only explicitly listed counterparties are allowed.reject_all: All counterpartries are blocked. | enum |
| internal_transfer_controls.incoming.counterparty_account_number_ids_allowlist | List of permitted sending account_number_id values when counterparty_filter is allowlist_only. | array |
| internal_transfer_controls.outgoing.counterparty_filter | Specifies which counterparties this account number is allowed to send internal transfers to. Possible values: accept_all: All counterparties are allowed.allowlist_only: Only explicitly listed counterparties are allowed.reject_all: All counterparties are blocked. | enum |
| internal_transfer_controls.outgoing.counterparty_account_number_ids_allowlist | List of permitted receiving account_number_id values when counterparty_filter is allowlist_only. | array |
| created_at | Timestamp the account number object was created, in ISO 8601 format. | string |
| updated_at | Timestamp when the account number object was last updated, in ISO 8601 format. | string |