Bank Accounts & ACH

Accept ACH payments and manage bank account verification.

Overview

Atlas supports ACH (Automated Clearing House) payments for US bank accounts. ACH is ideal for:

Recurring billing and subscriptions
Large transactions where card fees are prohibitive
B2B payments
Payouts and disbursements

Payment Flow

Collect bank details - Use the Bank Account Element or API
Verify the account - Instant verification or microdeposits
Create a mandate - Customer authorizes debits
Process payments - Debit the account

Bank Account Element

import { AtlasProvider, BankAccountElement } from '@atlas/react';

function BankForm() {
  return (
    <AtlasProvider publishableKey="pk_test_xxx">
      <BankAccountElement
        onSuccess={(bankAccount) => {
          console.log('Bank account:', bankAccount.id);
          console.log('Last 4:', bankAccount.last4);
        }}
        onError={(error) => console.error(error)}
      />
    </AtlasProvider>
  );
}

API Reference

Create Bank Account

curl -X POST https://api.atlas.co/functions/v1/bank-accounts \
  -H "Authorization: Bearer sk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "account_holder_name": "John Doe",
    "account_holder_type": "individual",
    "routing_number": "110000000",
    "account_number": "000123456789",
    "account_type": "checking"
  }'

Response:

{
  "id": "ba_abc123",
  "object": "bank_account",
  "account_holder_name": "John Doe",
  "account_holder_type": "individual",
  "bank_name": "Test Bank",
  "last4": "6789",
  "routing_number": "110000000",
  "account_type": "checking",
  "status": "pending_verification",
  "created_at": "2025-01-21T12:00:00Z"
}

Verify with Microdeposits

For accounts that can’t be instantly verified:

curl -X POST https://api.atlas.co/functions/v1/bank-accounts/ba_abc123/verify \
  -H "Authorization: Bearer sk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "amounts": [32, 45]
  }'

Create ACH Mandate

Authorize the customer to allow debits:

curl -X POST https://api.atlas.co/functions/v1/bank-mandates \
  -H "Authorization: Bearer sk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "bank_account_id": "ba_abc123",
    "customer_id": "cus_xyz789",
    "mandate_type": "recurring",
    "ip_address": "192.168.1.1",
    "user_agent": "Mozilla/5.0..."
  }'

Process ACH Payment

curl -X POST https://api.atlas.co/functions/v1/bank-transfers \
  -H "Authorization: Bearer sk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "bank_account_id": "ba_abc123",
    "mandate_id": "mandate_def456",
    "amount": 10000,
    "currency": "USD",
    "description": "Invoice #1234"
  }'

ACH Timeline

Stage	Timing
Initiated	Immediate
Submitted to network	Same business day (before 4pm ET)
Pending	1-2 business days
Succeeded/Failed	3-5 business days

Test Bank Accounts

Routing	Account	Result
`110000000`	`000123456789`	Succeeds
`110000000`	`000111111116`	Fails verification
`110000000`	`000111111113`	Account closed

Webhooks

Listen for ACH events:

bank_transfer.initiated
bank_transfer.pending
bank_transfer.succeeded
bank_transfer.failed
bank_transfer.returned

app.post('/webhooks/atlas', (req, res) => {
  const event = req.body;

  switch (event.type) {
    case 'bank_transfer.succeeded':
      await fulfillOrder(event.data.metadata.order_id);
      break;
    case 'bank_transfer.failed':
    case 'bank_transfer.returned':
      await handleFailedTransfer(event.data);
      break;
  }

  res.json({ received: true });
});

Return Codes

If an ACH transfer fails, check the return_code:

Code	Description
R01	Insufficient funds
R02	Account closed
R03	No account/unable to locate
R04	Invalid account number
R07	Authorization revoked
R08	Payment stopped
R10	Customer advises not authorized
R29	Corporate customer advises not authorized

Getting Started

Payments

UI Components

Billing

Data & Security

Mobile

Developer

Bank Accounts & ACH

Overview

Payment Flow

Bank Account Element

API Reference

Create Bank Account

Verify with Microdeposits

Create ACH Mandate

Process ACH Payment

ACH Timeline

Test Bank Accounts

Webhooks

Return Codes

​Overview

​Payment Flow

​Bank Account Element

​API Reference

​Create Bank Account

​Verify with Microdeposits

​Create ACH Mandate

​Process ACH Payment

​ACH Timeline

​Test Bank Accounts

​Webhooks

​Return Codes

Overview

Payment Flow

Bank Account Element

API Reference

Create Bank Account

Verify with Microdeposits

Create ACH Mandate

Process ACH Payment

ACH Timeline

Test Bank Accounts

Webhooks

Return Codes