[Glossary](https://blnkfinance.com/glossary) ACH credit # What is an ACH credit? ACH credit An ACH credit is a push: the originator sends funds into the receiver’s bank account. Payroll, vendor payouts, and refunds are credits. The originator’s bank files the batch. The receiver does not pull anything. Credits can still return, but the risk sits on the sender having the funds, not on a pull from the receiver. ## How does an ACH credit work? You instruct your bank to pay an account. The bank puts a credit entry in a Nacha file. The receiving bank posts it on a later cycle. The receiver sees a deposit. You see a debit on the omnibus when the file settles. ## ACH credit vs ACH debit A credit pushes. A debit pulls. Payouts and payroll are credits. Bill-pay and collections are debits. Debits need authorization and return more often. Do not implement one API for both without a direction flag. The return codes and the holds differ. ## When is the money gone? When the receiving bank posts, not when you click send. Same-day ACH can post the same business day if you hit the cutoff. It can still return. Hold the wallet until you would rather eat a return than delay the payout. ## How it works with Blnk A payout credit leaves the wallet for `@PayoutUSD_ACH`. Hold it inflight until the item settles or returns. ``` await blnk.Transactions.create({ precise_amount: 25000, precision: 100, reference: 'ach_credit_20260816_001', currency: 'USD', source: 'customer_wallet_id', destination: '@PayoutUSD_ACH', description: 'ACH credit payout', inflight: true, meta_data: { rail: 'ach', direction: 'credit', sec_code: 'PPD', customer_id: 'cus_8f21a4', }, }); ``` Related terms - [ACH](https://blnkfinance.com/glossary/ach) - [ACH debit](https://blnkfinance.com/glossary/ach-debit) - [Payment rail](https://blnkfinance.com/glossary/payment-rail) - [Settlement](https://blnkfinance.com/glossary/settlement) - [Same-day ACH](https://blnkfinance.com/glossary/same-day-ach)