POST /embedded-banking/v1/money-movements/ach
The request adds two fields beyond the common shape:
The external account is referenced by its Tesouro-issued account ID, not raw routing and account numbers. It must already be linked through the linked-accounts flow.
Like every money-movement request, ACH accepts an
idempotencyKey. Always send one so a retried submission returns the original transfer instead of creating a duplicate. See Lifecycle & idempotency.
ACH transfers start as 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.