Controls

Overview

Manage ACH, Wires, Instant Payments, 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.

The counterparty_filter:

accept_all
reject_all
allowlist_only

and the 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=true
accept_debit=true
counterparty_filter=accept_all

The API will automatically prevent contradictory configurations, such as accept_credit=false combined with counterparty_filter=accept_all.

Handling Returns

When accept_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 number `routing_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 number `routing_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 counterparties 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
wire_controls.outgoing_international.counterparty_filter	Specifies which counterparties this account number is allowed to send international wire 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
wire_controls.outgoing_international.counterparty_account_numbers_allowlist	List of permitted outgoing international wire counterparties when `counterparty_filter` is `allowlist_only`. Each entry includes: `business_identifier_code`: Identifier of the counterparty financial institution (8 or 11 character BIC) `account_identifier`: Account identifier for the counterparty, including: `type`: Counterparty account identifier type (IBAN or `account_number`) `value`: Counterparty account identifier value (1-34 characters)

Instant Payment

Attribute	Description	Type
instant_payment_controls.incoming.counterparty_filter	Specifies which counterparties are allowed to send instant payments 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
instant_payment_controls.incoming.counterparty_account_numbers_allowlist	List of permitted incoming instant payment counterparties when `counterparty_filter` is `allowlist_only`. Each entry includes: `account_number`: Counterparty account number `routing_number`: Counterparty routing number	array of objects
instant_payment_controls.outgoing.counterparty_filter	Specifies which counterparties this account number is allowed to send instant payments to. Possible values: `accept_all`: All counterparties are allowed. `allowlist_only`: Only explicitly listed counterparties are allowed. `reject_all`: All counterparties are blocked.	enum
instant_payment_controls.outgoing.counterparty_account_numbers_allowlist	List of permitted outgoing instant payment counterparties when `counterparty_filter` is `allowlist_only`. Each entry includes: `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 counterparties 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

Foundations

API Guides

Overview

How It Works

Default Behavior

Handling Returns

Microdeposits & Reversals

Control Attributes

ACH

Wire

Instant Payment

Internal Transfers

​Overview

​How It Works

​Default Behavior

​Handling Returns

​Microdeposits & Reversals

​Control Attributes

​ACH

​Wire

​Instant Payment

​Internal Transfers

Overview

How It Works

Default Behavior

Handling Returns

Microdeposits & Reversals

Control Attributes

ACH

Wire

Instant Payment

Internal Transfers