The Originator Object

An originator is the company name and ACH company ID your program sends ACH as. It settles to one core balance. You create one with POST /v2/originators, update it with PATCH /v2/originators/{originator_id}, and read it with GET /v2/originators/{originator_id}. POST requires an Idempotency-Key header. See Idempotency. This example is a second originator on Acme’s program. Acme pays its own employees under a separate “Acme Payroll” company ID, so payroll goes out under that name rather than its main one. Entries settle to Acme’s operating core balance, and Lead has approved the originator for CCD and PPD only.

{
  "id": "originator_5LrMf0Xd5PmZb8oAtV6yG3cS9u",
  "core_balance_id": "core_balance_2xYw9Kn3Jp7QuS2lY5mAbC0dE4f",
  "entity_id": "entity_2xYv6Kn3Jp7QuS2lY5mAbC0dE4f",
  "company_id": "1234567891",
  "company_name": "Acme Payroll",
  "status": "active",
  "ach": {
    "allowed_sec_codes": ["CCD", "PPD"],
    "nested_third_parties": [],
    "limits": {
      "calendar_day_maximum_amount": {
        "credit": 50000000,
        "debit": 0
      },
      "rolling_30_calendar_day_maximum_amount": {
        "credit": 750000000,
        "debit": 0
      }
    }
  },
  "metadata": {},
  "created_at": "2026-10-07T15:02:11Z",
  "updated_at": "2026-10-09T18:21:47Z"
}

Every field on an originator is populated at the same time. There is no block that appears only in some statuses. A pending originator looks the same as this one with a different status, and a rejected or suspended originator carries no reason. Contact Lead to learn why.

Fields

The table lists each field on the object.

Field	Type	Description
`id`	string	Unique identifier, prefixed `originator_`.
`core_balance_id`	string	The core balance that entries sent under this originator settle to. Required on create. Can’t be changed.
`entity_id`	string	The entity whose identity the originator represents. Required on create. Can’t be changed.
`company_id`	string	The 10-digit ACH company identification. Populates the Company Identification field in batch headers. Assigned by Lead.
`company_name`	string	The company name in batch headers. Might appear on counterparty bank statements.
`status`	enum	`pending`, `active`, `inactive`, `rejected`, `suspended`, or `canceled`. See Originator Statuses.
`ach`	object	The originator’s ACH parameters. See The ach block.
`metadata`	object	Key-value pairs for your own use. Lead doesn’t read them.
`created_at`, `updated_at`	timestamp	RFC 3339, UTC.

The ach block

The table lists the fields in the ach block.

Field	Type	Description
`allowed_sec_codes`	array of enums	The SEC codes the originator can use: any of `CCD`, `PPD`, `WEB`, `CIE`, `TEL`. An entry with a code not in the list is rejected.
`nested_third_parties`	array of strings	Entity IDs of third parties the originator can originate for. Used in payment facilitation and nested third-party sender models. Empty when the originator sends only for its own entity.
`limits`	object	Amount limits on the originator’s activity. See The limits block.

The limits block

All amounts are integers in minor units. 5000 is $50.00. Each limit has a credit and a debit figure. A figure of 0 means the originator can’t send that direction at all.

Field	Type	Description
`calendar_day_maximum_amount.credit`	integer	The most the originator can send in credits in one calendar day.
`calendar_day_maximum_amount.debit`	integer	The most the originator can pull in debits in one calendar day.
`rolling_30_calendar_day_maximum_amount.credit`	integer	The most the originator can send in credits in any 30 calendar days.
`rolling_30_calendar_day_maximum_amount.debit`	integer	The most the originator can pull in debits in any 30 calendar days.

Creating an originator

The create request takes these fields:

Field	Required	Description
`core_balance_id`	Yes	The core balance entries settle to.
`entity_id`	Yes	The entity the originator represents.
`company_name`	Yes	The company name for batch headers.
`ach`	Yes	The ACH parameters block.
`metadata`	No	Key-value pairs for your own use.

Lead checks the following before it creates the originator. Each failure returns an error.

Condition	Result
`core_balance_id` doesn’t exist or isn’t visible to your program	`404`.
`core_balance_id` isn’t on a `direct` core account	`422`. The balance isn’t eligible.
`core_balance_id` isn’t `active`	`422`. The balance isn’t active.
`entity_id` isn’t an account holder or allowed actor on the account behind the balance	`422`. The entity isn’t on the account.

A new originator starts in pending. Lead reviews it and moves it to active or rejected.

Linking account numbers

Set ach_controls.originator_id on an account number to send ACH under this originator. The account number’s balance must be the originator’s core_balance_id. If it is not, the account number create or update returns 422.

Listing originators

GET /v2/originators returns a list (objects, has_more). The core_balance_id filter is required. Filter further by status.

Coming from v0

A v2 originator replaces the v0 originator. Originators created on /v0/originators are readable on /v2/originators with core_balance_id populated.

v0	v2	Notes
`POST /v0/originators` and sub-paths	`POST /v2/originators` and sub-paths	Version jumps from v0 to v2.
`account_id` on create, response, and as the required list filter	`core_balance_id` on create, response, and as the required list filter	Name the core balance entries settle to. `account_id` isn’t accepted or returned.
No balance eligibility check	`core_balance_id` must be visible, `active`, and on a `direct` core account	404 and 422 conditions added on create.
No account number linkage check	Account number `ach_controls.originator_id` must match the account number’s balance	422 condition added on the account number endpoints.
Errors in the v0 shape	Errors in the v2 shape	Lifecycle, limits, SEC codes, nested third parties, and `PATCH` are unchanged.

Products

Banking Infrastructure

Customers & Accounts

Balances and Transactions

Lending & Receivables

Payment Rails

Fields

The ach block

The limits block

Creating an originator

Linking account numbers

Listing originators

Coming from v0

​Fields

​The ach block

​The limits block

​Creating an originator

​Linking account numbers

​Listing originators

​Coming from v0

​Related

Fields

The ach block

The limits block

Creating an originator

Linking account numbers

Listing originators

Coming from v0

Related