# Creates a new recipient using ACH.

Create a counterparty (payee) for a merchant. Include partner and merchant IDs.

Endpoint: POST /finance/v1/recipient-ach
Security: Bearer

## Request fields (application/json):

  - `email` (string, required)
    (Required) Email address of the counterparty.

  - `name` (string, required)
    (Required) Full name of the counterparty.

  - `phone` (string)
    (Optional) Contact phone in E.164 format.

  - `type` (string)
    (Optional) Counterparty type.
    Enum: "INDIVIDUAL", "BUSINESS"

  - `paymentMethodType` (string)
    (Required) Payment method type for this payee (e.g., ACH).

  - `partnerId` (integer, required)
    (Required) Partner ID assigned to your integration.

  - `merchantId` (integer, required)
    (Required) Merchant ID under which this payee will be created.

  - `ach` (object, required)

  - `ach.accountNumber` (string, required)
    (Required) Bank account number.

  - `ach.bankAccountType` (string, required)
    (Required) Account type.
    Enum: "CHECKING", "SAVINGS"

  - `ach.bankName` (string)
    (Optional) Bank name.

  - `ach.routingNumber` (string, required)
    (Required) Routing number (9 digits).

  - `ach.address` (object, required)

  - `ach.address.city` (string, required)
    (Required) City name.

  - `ach.address.countryCode` (string, required)
    (Required) ISO country code (2 letters).

  - `ach.address.line1` (string, required)
    (Required) Primary street line.

  - `ach.address.line2` (string)
    (Optional) Secondary street line.

  - `ach.address.postalCode` (string, required)
    (Required) Postal or ZIP code.

  - `ach.address.state` (string, required)
    (Required) State or province code.

  - `ach.address.type` (string)
    (Optional) Address type.
    Enum: "RESIDENCE", "MAILING", "BUSINESS"

## Response 200 fields (application/json):

  - `email` (string)

  - `name` (string)

  - `phone` (string)

  - `type` (string)

  - `paymentMethodType` (string)

  - `partnerId` (integer)

  - `merchantId` (integer)

  - `ach` (object)

  - `ach.accountNumber` (string)

  - `ach.bankAccountType` (string)

  - `ach.bankName` (string)

  - `ach.routingNumber` (string)

  - `ach.address` (object)

  - `ach.address.city` (string)

  - `ach.address.countryCode` (string)

  - `ach.address.line1` (string)

  - `ach.address.line2` (string)

  - `ach.address.postalCode` (string)

  - `ach.address.state` (string)