> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Create and manage ACH origination parameters.

<Info>
  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.
</Info>

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

```json theme={null}
{
  "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.<br /><br />`credit`: (int26) Maximum daily credit amount in cents.<br /><br />`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.<br /><br />`credit`: (int26) Maximum rolling 30-day credit amount in cents.<br /><br />`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.                                                                                                                                                                                                                       |