Sending ACH payments from one bank to another bank

Question

Am I able to use the caliper API to send ACH payments from one user in Bank A to another user in Bank B? Do both banks need to use Q2 since I need to know the accountID for both users?

If it is feasible, do I need two seperate applications with their own scopes?

One application with scope of Bank A to create payment and authorize it
One application with scope of Bank B to create recipient

Anything I missing?

		
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	3 years ago

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					Draden Gaffney
				
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Solene Sossah · Answer

Hi Draden You can make ACH payments from a bank in Q2 to other banks outside of the Q2 system over the ACH network You would need to create a recipient using our api endpoint https docs q2api com docs q2 caliper api 4c482f74048a4 create recipient which would include recipient detail as well as their routing and account numbers and then use the ACH Payments endpoint see https docs q2api com docs q2 caliper api cd80d433d1488 make payments for the transfer to that recipient Your application would just include Bank A s scopes Bank A s usage token their dev stage prod environments and ACH endpoints you are attempting to hit Thanks Solène

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