How To Set Up ACH Payments (local USD payment method) – Avinode Group

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Time Frame Overview

Payment Type	SWIFT (Priority)	Local (Regular)
Cut-off time (UK Time)	4:30 pm	8:45 pm
Delivery time frame	0 days	0 days
Maximum payment size	No limit	$1,000,000 ($1m)
Payment Scheme	SWIFT - USD to any country Within the US, the SWIFT payment will use Fedwire or CHIPS, depending on the routing code used.	FedACH
Destination countries	Any (excluding sanctioned countries)	USA
Traces	Yes	No
Recalls	Yes	No
Ultimate payer displayed?	Yes	No

To set up ACH payments

Step 1 - add Beneficiary and choose Regular payment method. In the event that you decide to make a Swift payment in the future, you may also choose to enter the Swift payment details.

Step 2 - add the ACH payment details.

For more details on how to set up a Beneficiary follow this link - Add or Set up a Beneficiary to Pay

Additional Information

Required Details for Local ACH (Regular) Payment

Field	Individual	Company	Permitted Data	Notes
Beneficiary Entity Type	✓	✓	‘individual’ or ‘company’ only
Beneficiary First Name	✓	✕	1-255 characters*
Beneficiary Last Name	✓	✕	1-255 characters*
Beneficiary Company Name	✕	✓	1-255 characters*
Beneficiary Address	✓	✓	1-255 characters*
Beneficiary City	✓	✓	1-255 characters*
Beneficiary Country	✓	✓	2 letter ISO country code
Beneficiary Postcode	✓	✓	1-12 characters*
Beneficiary State or Province	✓	✓	1-255 characters*
Account Number	✓	✓	1-17 digits	We validate that the account number provided is a valid one. We do not currently perform checks against the account name.
ABA	✓	✓	9 digits	American banks are identified by a 9 digit ABA number, also known as ‘Routing Number’. The ABA should be valid for FedACH payments. Some ABA values are only valid for FedWIRE payments. Payments to FedWIRE-only ABAs will fail.
Payment Currency	✓	✓	3 letter ISO currency code
Payment Amount	✓	✓	Numeric amount
Payment Reference	✓	✓	1-255 alphanumeric characters	The scheme only supports 10 alphanumeric characters. The reference field will be truncated to fit this limit.
Payment Reason	✓	✓	1-255 alphanumeric characters	This field is not visible to the beneficiary.
Payer Entity Type	✓	✓	‘individual’ or ‘company’ only
Payer First Name	✓	✕	1-255 characters*
Payer Last Name	✓	✕	1-255 characters*
Payer Company Name	✕	✓	1-255 characters*
Payer Address	✓	✓	1-255 characters*
Payer City	✓	✓	1-255 characters*
Payer Postcode	✓	✓	1-12 characters*
Payer State or Province	✓	✓	1-255 characters*
Payer Country	✓	✓	2 letter ISO country code
Payer Date of Birth	✓	✕	ISO 8601 format (YYYY-MM-DD).

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Time Frame Overview

To set up ACH payments

Additional Information

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