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Overview

You can manage ACH, Wires, and Internal Transfers on your own by choosing which transactions to allow or block for each account number.

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How It Works

Configure the controls through the create or update Account number API.
Contacting Lead to block acocunt numbers is no longer required.
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 counterparty_account_numbers_allowlist determine which counterparties are allowed to send or receive payments.

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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.

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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.

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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 routine processes continue to work smoothly while you maintain full control over all other ACH activity.