Original publication date: April 21, 2020
Question:
After originating an ACH payment then hitting the activity endpoint, the ACH transaction doesn't show in the activity. Is this a sandbox limitation or is there a delay for the transaction be returned in activity?
Answer:
An ACH payment isn't a transaction until it settles, so until then it won't show up in the activity.
An ACH payment has a lifecycle before it gets to the point of being sent to the Federal Reserve, acknowledged ,and settled (settlement time is dependent on service type).