> ## 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.

# ACH at Lead: Transfers Over FedACH

> Receive or send ACH transfers through the FedACH network.

<Warning>
  **Upcoming Change**

  We're expanding visibility into the ACH lifecycle by surfacing previously hidden events, introducing new statuses, and adding support for dishonored and contested returns. Partners consuming ACH statuses or webhooks will need to update their integrations before we enforce the change in Q3 2026.

  👉 [View Details](/upcoming-changes#ach-status-lifecycle-expansion)
</Warning>

The FedACH system, operated by the Federal Reserve, is an electronic payment network that processes Automated Clearing House (ACH) transactions in the United States, clearing and settling payments through multiple processing windows each business day. Lead has a direct connection to the FedACH network.

**Use ACH when** you need a low-cost, high-volume rail for recurring payments, payroll, loan disbursements, or consumer-initiated transfers where same-day or next-day settlement is acceptable. ACH is the only Lead rail on which a posted payment can later be returned; plan for [returns](/products/ach/exceptions) as part of your integration, not as an exception.

**What you can do:** [send outgoing credits and debits](/products/ach/sending-ach) with a `delivery_type` of [`same_business_day` or `next_business_day`](/products/ach/timing); [receive incoming entries](/products/ach/receiving-ach); cancel an outgoing entry while it is still cancellable; return incoming entries, reverse your own erroneous entries, and handle [Notifications of Change](/products/ach/exceptions). For outgoing ACH, Lead supports the CCD, PPD, TEL, WEB, and CIE SEC codes; incoming entries may additionally carry IAT for cross-border transactions; Lead does not originate outgoing IAT.

Sending your first ACH end-to-end is covered in [Make Your First Payment API Call](/get-started/quickstart/make-your-first-payment-api-call).