You can update or cancel ACH debits that are still pending submission to the bank. Make changes to amount, purpose, or revoke the transaction entirely—so you can correct mistakes or adapt to customer requests.

Prerequisites

ACH Originations Enabled: Your PCE merchant profile must have ACH debit initiation turned on.
Verified External Account: The customer’s bank account must be in VERIFIED status before you can originate or modify transactions.
Modification Window: Updates and cancellations are only permitted while the transaction remains in SCHEDULED or PENDING status and before the cutoff time.

Limitations

Irrevocable After Processing: Once a payment moves to PROCESSING (i.e., submitted to the ACH Operator), you cannot modify or cancel it via the API—only an ACH Reversal can address errors post-processing.

Compliance / Regulation Mandates

Nacha Rules

All updates and cancellations must comply with Nacha’s timing and formatting requirements for ACH entries.

Audit Trail

Maintain logs of every modification or cancellation request for at least 2 years to support Nacha audits.

Customer Authorization

Ensure any change to amount or schedule is covered by the original mandate or an amended authorization on file.

Origination Process

Use the PCE API to create a Contact object representing your customer.

Modifying a Scheduled Transaction

While a transaction remains in SCHEDULED or PENDING status and before the daily cutoff, you may:

Update a Collect
- Change fields such as amount, purpose, or scheduleDate.
- Send a PATCH /v1/transactions/{id} request with only the fields to update.
Cancel a Collect
- Send a DELETE /v1/transactions/{id} request to revoke the debit entirely.
- The transaction moves to CANCELLED and will not be included in the next ACH file.

Cutoff Times & Irreversibility

Standard Cutoff: Typically 3:30 PM PT / 6:30 PM ET for forward-day ACH batches.
After Cutoff: Any SCHEDULED items not yet transmitted will roll to the next processing window.
Processing Status: Once a debit transitions to PROCESSING, it has entered the ACH network and cannot be modified or canceled via the API.
Reversals: To correct errors after processing, initiate an ACH Reversal (POST /v1/transactions/reversal), subject to its own Nacha rules and timeframes.