---
updatedAt: 2026-06-03T10:02:31.000Z
agentTools:
  projectIndex: https://snaprefund.readme.io/llms.txt
---

# Send Same Day ACH payment

Sends an Same Day ACH payment within the same business day (excluding weekends and holidays). This is a significant improvement compared to standard ACH transfers that can take several days. These payments are always balance to bank transfers. During the 1-2 business days we SnapRefund will be listening to the status of the Same Day ACH payment as the banking network holds funds and waits for return codes. After the alloted time, if no return codes are generated the payment will settle and the funds transfer will finalize.

# OpenAPI definition

```json
{
  "openapi": "3.0.0",
  "paths": {
    "/api/public/payments/send-same-day-ach": {
      "post": {
        "operationId": "PublicApiPaymentsController_sendSameDayAchTransfer",
        "summary": "Send Same Day ACH payment",
        "description": "Sends an Same Day ACH payment within the same business day (excluding weekends and holidays). This is a significant improvement compared to standard ACH transfers that can take several days. These payments are always balance to bank transfers. During the 1-2 business days we SnapRefund will be listening to the status of the Same Day ACH payment as the banking network holds funds and waits for return codes. After the alloted time, if no return codes are generated the payment will settle and the funds transfer will finalize.",
        "parameters": [],
        "requestBody": {
          "required": true,
          "content": {
            "multipart/form-data": {
              "schema": {
                "type": "object",
                "properties": {
                  "file": {
                    "type": "string",
                    "format": "binary",
                    "nullable": true
                  },
                  "recipientEmail": {
                    "type": "string"
                  },
                  "amount": {
                    "type": "string",
                    "format": "number"
                  },
                  "memo": {
                    "type": "string",
                    "minLength": 1
                  },
                  "bankId": {
                    "type": "string"
                  },
                  "senderBankId": {
                    "type": "string",
                    "nullable": true
                  },
                  "approversEmails": {
                    "type": "array",
                    "items": {
                      "type": "string"
                    },
                    "nullable": true
                  }
                },
                "required": [
                  "memo"
                ]
              }
            },
            "application/json": {
              "schema": {
                "type": "object",
                "properties": {
                  "file": {
                    "type": "string",
                    "format": "binary",
                    "nullable": true
                  },
                  "recipientEmail": {
                    "type": "string"
                  },
                  "amount": {
                    "type": "string",
                    "format": "number"
                  },
                  "memo": {
                    "type": "string",
                    "minLength": 1
                  },
                  "bankId": {
                    "type": "string"
                  },
                  "senderBankId": {
                    "type": "string",
                    "nullable": true
                  },
                  "approversEmails": {
                    "type": "array",
                    "items": {
                      "type": "string"
                    },
                    "nullable": true
                  },
                  "claimNumber": {
                    "type": "string",
                    "maxLength": 255,
                    "nullable": true,
                    "description": "Optional claim reference shown alongside the payment in the dashboard, Transaction History, and exports."
                  }
                },
                "required": [
                  "memo"
                ]
              }
            }
          }
        },
        "responses": {
          "201": {
            "description": "",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/PublicPaymentDto"
                }
              }
            }
          }
        },
        "tags": [
          "payments"
        ],
        "security": [
          {
            "Authorization": []
          }
        ]
      }
    }
  },
  "info": {
    "title": "STAGING",
    "description": "",
    "version": "2.0",
    "contact": {}
  },
  "servers": [
    {
      "url": "https://claims-staging.snaprefund.io"
    }
  ],
  "components": {
    "securitySchemes": {
      "Authorization": {
        "type": "apiKey",
        "in": "header",
        "name": "Authorization"
      }
    },
    "schemas": {
      "PublicPaymentDto": {
        "type": "object",
        "properties": {
          "id": {
            "type": "number",
            "description": "Id of payment. Can be used for any payment operations."
          },
          "transactionId": {
            "type": "string",
            "description": "Payment transaction Id. It can be seen in the application in the transaction history."
          },
          "amount": {
            "type": "number",
            "description": "Payment amount without any fees."
          },
          "customerId": {
            "type": "number",
            "nullable": true,
            "description": "The Id of customerwho will receive the payment or has already received it."
          },
          "customerName": {
            "type": "string",
            "description": "Name of the customer who will receive the payment or has already received it."
          },
          "merchantName": {
            "type": "string",
            "description": "Name of the merchant who will send the payment or has already sent it."
          },
          "fee": {
            "type": "number",
            "description": "Fee for the payment amount. It will only be different from zero when this payment is sent."
          },
          "feeDeductFrom": {
            "type": "string",
            "nullable": true,
            "description": "Which side of the transfer will pay the fee."
          },
          "status": {
            "type": "string",
            "nullable": true,
            "description": "Status of payment. Main statuses: Awaiting-cash-out, Cancelled, Preparing to mail, In-transit, Settled"
          },
          "type": {
            "type": "string",
            "nullable": true,
            "description": "Type of payment. Can be only of two types: ACH or paper check with delivery type."
          },
          "memo": {
            "type": "string",
            "maxLength": 280,
            "description": "A string with a maximum length of 280 characters."
          },
          "failureReason": {
            "type": "string",
            "nullable": true,
            "description": "If the current payment is ACH and has the failed status, here you can get a description of the reason for the failure"
          },
          "failureAchCode": {
            "type": "string",
            "nullable": true,
            "description": "If the current payment is ACH and has the failed status, here you can get an ACH error code"
          },
          "settledAt": {
            "format": "date-time",
            "type": "string",
            "nullable": true,
            "description": "Time when payment is settled or mailed"
          },
          "createdAt": {
            "format": "date-time",
            "type": "string"
          },
          "attachments": {
            "description": "Documents stored with the payment, such as PDFs mailed with a paper check.",
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/PublicPaymentAttachmentDto"
            }
          }
        },
        "required": [
          "id",
          "transactionId",
          "amount",
          "customerId",
          "customerName",
          "merchantName",
          "fee",
          "feeDeductFrom",
          "status",
          "type",
          "memo",
          "createdAt"
        ]
      },
      "PublicPaymentAttachmentDto": {
        "type": "object",
        "properties": {
          "id": {
            "type": "number",
            "description": "Id of the attachment."
          },
          "fileName": {
            "type": "string",
            "description": "File name of the attachment."
          },
          "size": {
            "type": "number",
            "nullable": true,
            "description": "File size in bytes."
          },
          "downloadUrl": {
            "type": "string",
            "example": "/api/public/payments/123/attachments/45",
            "description": "Path to download the file. Call it with the same Authorization header as other API requests."
          }
        },
        "required": [
          "id",
          "fileName",
          "size",
          "downloadUrl"
        ]
      }
    }
  },
  "x-readme": {
    "explorer-enabled": true,
    "proxy-enabled": true
  }
}
```