Overview

If you only originate ACH from a single ACH Company ID, you will not need to create Originators.

If you require the ability to originate ACH from multiple ACH Company IDs, please work with your implementations manager to request access and approval to use the Originator API.

An Originator defines required parameters that allow authorized partners to initiate ACH transactions through Lead’s FedACH connection. Originators are tied to a specific Account and Entity, and define the permissions, SEC codes, and transaction limits governing their ACH activity.

Originator Object

{
  "id": "string",
  "account_id": "string",
  "entity_id": "string",
  "company_id": "string",
  "company_name": "string",
  "status": "pending",
  "ach": {
    "allowed_sec_codes": [
      "WEB"
    ],
    "nested_third_parties": [
      "entity_xyz123"
    ],
    "limits": {
      "calendar_day_maximum_amount": {
        "credit": 0,
        "debit": 0
      },
      "rolling_30_calendar_day_maximum_amount": {
        "credit": 0,
        "debit": 0
      }
    }
  },
  "created_at": "2022-06-27T11:22:33Z",
  "updated_at": "2022-06-27T11:22:33Z"
}

Attributes

Attribute	Type	Description
id	string	ID of the Originator object.
account_id	string	The ID of the Account object that originated ACH transactions will settle to.
entity_id	string	The ID of the Entity object that represents the identity of the owner of the Originator.
company_id	string	A 10-digit unique identifier used to identify the company in ACH transactions. This value populates the Company Identification field in ACH batch headers.
company_name	string	The name of the company initiating ACH transactions. This value populates the Company Name field in ACH batch headers and may appear on counterparty bank statements.
status	string	The current status of the Originator object. Possible values: `pending`, `active`, `suspended`, `canceled`.
ach	object	Configuration and limits specific to ACH transaction origination.
allowed_sec_codes	array of strings	The Standard Entry Class (SEC) codes this Originator is permitted to use when initiating ACH transactions. Possible values: `CCD`, `PPD`, `WEB`, `CIE`, `TEL`.
nested_third_parties	array of strings	A list of Entity IDs representing third parties that this Originator is authorized to initiate ACH transactions on behalf of. Used in payment facilitation or nested third-party payment models.
limits	object	Transaction limits governing the Originator’s ACH activity. All amounts are in cents.
calendar_day_maximum_amount	object	The maximum total amount the Originator can initiate within a single calendar day. `credit`: (int26) Maximum daily credit amount in cents. `debit`: (int26) Maximum daily debit amount in cents.
rolling_30_calendar_day_maximum_amount	object	The maximum total amount the Originator can initiate within a rolling 30 calendar day period. `credit`: (int26) Maximum rolling 30-day credit amount in cents. `debit`: (int26) Maximum rolling 30-day debit amount in cents.
metadata	object	A set of key-value pairs that can be used to store additional information related to this Originator. Useful for internal references, tagging, or integration with external systems.
account_id	string	The ID of the Account object.

Foundations

API Guides

Originator Object

Attributes

​Originator Object

​Attributes

Originator Object

Attributes