Programmable ACH, built on a direct Fed connection
Originate and receive ACH credits and debits across the FedACH network. We provide access to every settlement window including same-day, moving funds in as little as a few hours.
Close to the metal
Operating as the ODFI and RDFI, Lead connects directly to the Federal Reserve. With no middleware, this infrastructure sits as close to the rails as possible.
Multi-directional and multi-modal
Originate outgoing credits and debits and receive incoming credits and debits, all from a single ACH integration.
Settlement and speed
Access all available FedACH windows, supporting same-day and next-day payments. With firm cutoffs, missed submissions simply queue to the next window.
Account accuracy
Assign unique account numbers to every end customer. Multiple account numbers map to a single underlying account, so incoming funds automatically route to the right place.
Full lifecycle visibility
Track payments with real-time webhook notifications at every stage so your systems always know where every payment stands.
Close to the metal
Operating as the ODFI and RDFI, Lead connects directly to the Federal Reserve. With no middleware, this infrastructure sits as close to the rails as possible.
Multi-directional and multi-modal
Originate outgoing credits and debits and receive incoming credits and debits, all from a single ACH integration.
Settlement and speed
Access all available FedACH windows, supporting same-day and next-day payments. With firm cutoffs, missed submissions simply queue to the next window.
Account accuracy
Assign unique account numbers to every end customer. Multiple account numbers map to a single underlying account, so incoming funds automatically route to the right place.
Full lifecycle visibility
Track payments with real-time webhook notifications at every stage so your systems always know where every payment stands.
The engine for money movement
ACH may seem like a basic banking capability. But when used programmatically as the centralized hub for money movement, it powers more sophisticated end products, from loan disbursement and liquidity management, to card issuing, and peer-to-peer transfers.
Built for complexity and risk
Rather than forcing our partners to fit into a fixed template, we meet you where you are and adapt as you innovate. Our ACH model is built for endless customization, meaning we can scope to your complexity and underwrite your unique, per-product risk profiles.
No middleware necessary
We built our ACH product entirely in house. That means no third-party vendors sitting between you and FedACH. Just one partner, one point of accountability, and a direct line to the people who own the charter, so when issues arise you get answers and solutions quickly.
Explore API docs
Build directly on Lead’s developer-first banking infrastructure. Our APIs are designed for straightforward integration, with the flexibility to scale as your product evolves.
