In today's fast-paced financial landscape, real-time access to payment processing activity isn't just a convenience — it's a necessity. Federal Reserve Financial Services’ (FRFS) suite of FedACH Services APIs available via FedLine® Developer offers financial institutions powerful tools to transform their ACH operations, providing instant visibility into transaction information, origination status, settlements and more. Explore how these six essential FedACH APIs can revolutionize your payment processing workflow.
Payment processing
FedACH Batch Origination Summary API
Delivers summarized batch information to originating depository financial institutions (ODFIs) showing the status of activity originated with FedACH Services along with summarized transaction information for each originator.
Key benefits
- Real-time information: Determine whether your FedACH files have been accepted, rejected or are pending.
- Operational efficiency: Quickly reconcile, troubleshoot, and monitor ACH activity throughout the FedACH processing cycle.
- Enhanced reporting: Provide improved and reliable reporting to your ODFIs and/or originators.
FedACH File Origination Status API
While the ACH Batch Origination Summary API summarizes batch information, the File Origination Status API enables ODFIs to retrieve status information for activity originated with FedACH Services along with transaction information for each originator for any processing day within the past two years.
Key benefits
- Real-time information: Immediately determine whether your FedACH files have been accepted, rejected, or are pended across a two-year window.
- Operational efficiency: Quickly reconcile, troubleshoot, and monitor ACH files throughout the processing cycle.
- Enhanced reporting: Provide improved and reliable reporting to your ODFIs.
FedACH File Receipt Status API
Extends visibility to financial institutions for ACH files that are queued for delivery or files that have already been sent to them.
Key benefits
- Streamlined reconciliation: Reconcile FedACH files received using real-time information.
- Proactive planning: Monitor the status of critical ACH files that will be sent to a financial institution and confirm file delivery.
FedACH Rejected Entries API
Retrieves real-time detailed rejected entries for files originated through FedACH Services, enabling financial institutions to identify information by file ID and ACH process date.
Key benefits
- Faster resolution: Conduct a real-time detailed analysis of a rejected entry to identify and correct issues.
FedACH Settlement Summaries API
Delivers settlement summary information for items originated or received through FedACH Services.
Key benefits
- Seamless integration: Incorporate FedACH advice and settlement data directly into your payment operations to balance account activity or reconcile Federal Reserve account statements.
Information services
FedACH Return Item API
Provides up to two years of detailed information on return items processed by FedACH Services.
Key benefits
- Timely access: Retrieve and analyze inbound return items processed by FedACH after each distribution cycle.
- Enhanced monitoring: Track ACH processing activity and accelerate compliance tasks.
- Improved customer experience: Share the latest return item information with ODFIs and corporate customers.
Pricing
FRFS APIs are offered as part of the respective service's fee. Currently, the FedACH Batch Origination Summary API is subject to a monthly flat fee after a specified level of usage, and a subscription to the FedPayments® Reporter Service for FedACH Services is required to access the FedACH Return Item API with associated per call fees. For more information, visit the FedACH Services 2026 Fee Schedule.
Get started today
Sign up for FedACH APIs today and discover how real-time payment processing information can optimize your internal workflow and open the door to new opportunities. You can also browse our catalog of other FRFS APIs available, which are designed to help your organization with account management, risk mitigation, service management and more.
To begin using these APIs:
- Confirm eligibility. Contact your relationship manager and tell them which APIs you’re interested in. Your relationship manager will confirm eligibility and initiate the onboarding process.
- Assemble an internal technical team. Before you can begin using FRFS APIs, your organization may need to complete some development work within your internal platform to ensure successful implementation. We recommend assembling an internal technical team which may include an application developer or technical contact within your organization.
- Request access. Your organization must request the appropriate access level (credentials) for the individuals who will use them. For ease of use, we recommend requesting access for members of your internal technical team.
For questions about API use cases and benefits, contact your relationship manager. If you have questions about how to get started, contact the Support Center at 833-FRS-SVCS (377-7827).
