Receive via ACH is how you get paid by ACH without initiating anything: you share your Passport Account's ACH routable details with a payer, and they send an ACH credit from their bank. The funds arrive as an External Credit, which posts automatically when it matches your account or waits for review when it can't.

Use this when the sender controls timing — payroll funding, marketplace or partner disbursements into your account, or one-time inbound bank transfers.

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The details you share

Read your account's routable details from the GET /v1/customer/id/{id}/account/id/{id} response, under the routableAccount object, and share the ACH fields with the payer:

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How it works

You don't call an API to receive — you share details, the payer sends, and PCE records the inbound credit for matching.

sequenceDiagram
    participant You as Your application
    participant PCE as PCE
    participant Payer as Payer's bank

    You->>PCE: GET account → read routableAccount (ACH fields)
    You->>Payer: Share accountNumber + routingNumber (+ memo)
    Payer->>PCE: ACH credit arrives on your routable details
    PCE->>PCE: Record External Credit, attempt rule-based matching
    alt Matched
        PCE->>PCE: Post funds to your account
        PCE-->>You: Webhook — credit posted
    else Unmatched
        PCE-->>You: Webhook — credit in review
        Note over PCE: Accept/reject on the External Credits page
    end

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Scenarios

Scenario 1: Fund an account from an external payroll provider (auto-matched)

A payroll provider sends a recurring ACH credit to top up your operating account. You shared the correct accountNumber, routingNumber, and a consistent memo, so PCE matches the credit and posts it automatically — no action needed.

You'll also need: the receiving account ACTIVE, and the sender using the exact routable details and memo you provided.

Scenario 2: Receive a one-off credit that needs review

A new business partner sends an ACH credit but omits the memo, so PCE can't confidently match it. The credit is recorded as an External Credit and waits for review; you (or your Program Manager) identify the destination account and accept it. See External Credits for the accept/reject calls and the automatching-training option.

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After the credit arrives

Inbound ACH credits are handled as External Credits — that page owns the matching, review, accept/reject, and lifecycle. From here:

• Track inbound credits by webhook (production) or by listing/retrieving External Credits (reconciliation fallback).
• Don't show funds as available until the credit is accepted and posted to the account.

For the status model and tracking mechanics shared across money movement, see Transaction lifecycle.

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Best practices

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Related

See also

• Funding instructions — all the ways to be paid into your account
• Collect via ACH — when you pull the funds instead of waiting for the payer
• Transaction lifecycle — statuses and tracking