ACH (Automated Clearing House) is the standard rail for moving funds between a Tesouro-held account and an external bank account. Settlement runs through the bank’s ACH operator and typically lands within one to three business days. ACH is not real-time and is not available on weekends or bank holidays.Documentation Index
Fetch the complete documentation index at: https://docs.tesouro.com/llms.txt
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POST /embedded-banking/v1/money-movements/ach
The request adds two fields beyond the common shape:
| Field | Description |
|---|---|
type | INTERNAL_TO_EXTERNAL for ACH push, or EXTERNAL_TO_INTERNAL for ACH pull. INTERNAL_TO_INTERNAL is rejected — use the book endpoint. |
secCode | SEC code identifying the transaction class: PPD (consumer), CCD (corporate), WEB (internet), CTX (corporate trade), IAT (intl.). |
PENDING and transition to COMPLETED once the upstream banking core confirms settlement. The terminal-state update happens lazily during reads — see Lifecycle & idempotency.
Required scope:
embedded:transfer:write and payment_rail:ach.