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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 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.

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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"
}

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Attributes

AttributeTypeDescription
idstringID of the Originator object.
acccount_idstringThe ID of the Account object that originated ACH transactions will settle to.
entity_idstringThe ID of the Entity object that represents the identity of the owner of the Originator.
company_idstringA 10-digit unique identifier used to identify the company in ACH transactions. This value populates the Company Identification field in ACH batch headers.
company_namestringThe 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.
statusstringThe current status of the Originator object. Possible values: pending, active, suspended, canceled.
achobjectConfiguration and limits specific to ACH transaction origination.
allowed_sec_codesarray of stringsThe Standard Entry Class (SEC) codes this Originator is permitted to use when initiating ACH transactions. Possible values: CCD, PPD, WEB, CIE, TEL.
nested_third_partiesarray of stringsA 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.
limitsobjectTransaction limits governing the Originator’s ACH activity. All amounts are in cents.
calendar_day_maximum_amountobjectThe 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_amountobjectThe maximum total amount the Originator can initiate within a single calendar day.

credit: (int26) Maximum rolling 30-day credit amount in cents.

debit: (int26) Maximum rolling 30-day debit amount in cents.
metadataobjectA 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_idstringThe ID of the Account object.