---
title: ACH
slug: hsbc/ach
docTags: 
createdAt: 2026-02-11T22:35:59.136Z
---

ACH payments are used to move funds within the **United States only** and must always be in **USD**. Once you initiate a payment in your ERP, it is securely sent to the bank via API. Payments must be submitted before the **6:30 PM EST cut-off time**.

For NetSuite users, the Entity Bank Details bundle is required to process ACH payments through the plugin.

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## Vendor & Bill Requirements

To prevent payment delays or returns, all payments are required to have the following three requirements:

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### Vendor Record

The Entity's full legal name and address (including City and Country) must be accurately populated on the Vendor record
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### Billing Address and Location

The Entity and Bill (if applicable) Billing Addresses must be located in the destination country and match the country specified in the Entity Bank Details record.
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### Currency

The currency for the Entity Bill must be in USD.
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## Payment Requirements

**Payment Context**

- **Method: **Domestic
- **Country:** United States 
- **Currency:** USD

**Requirement Information**

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**Routing Number** is mandatory for both the Payer and the Payee
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**Account Number** is mandatory for both the Payer and the Payee
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**SEC Codes:** Payments will be processed using **PPD, CCD, or CTX** codes, depending on the bill structure
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**Approval Flow:** Payments require authorization on **HSBCNet**. If a payment is not authorized within **35 days**, it will fail with the status **Payment was not authorized with HSBC**.
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