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Overview

This endpoint receives ACH settlement confirmation from external loan management systems (LMS) and marks the corresponding ACH payment as COMPLETED and payment transaction as SUCCESSFUL. Note: For submitting multiple ACH confirmations in a single request, use the batch endpoint.

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ID Mapping

The endpoint uses reference IDs to locate records:
  • customer_id - Your customer reference ID
  • loan_id - Your loan reference ID
  • payment_id - Your payment reference ID

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Request Body Fields

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Identifiers (Required)

  • customer_id - Customer reference ID from your LMS
  • loan_id - Loan reference ID from your LMS
  • payment_id - Payment reference ID from your LMS

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Settlement Fields

  • settlement_date - Date the ACH payment settled

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What the Endpoint Does

When you submit ACH settlement confirmation, Finosu:
  1. Locates the records using the external reference IDs
  2. Updates AchPayment with:
    • Status set to COMPLETED
    • Settlement date (if provided)
  3. Updates PaymentTransaction with:
    • Status set to SUCCESSFUL

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Response

The endpoint returns a success response:
  • success - Boolean indicating success
  • message - Success or error message

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Example Usage

This endpoint is typically called by external LMS systems when they confirm that an ACH payment has successfully settled at the bank.

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Error Handling

The endpoint will return appropriate HTTP status codes:
  • 200 OK - Successfully confirmed ACH settlement
  • 400 BAD REQUEST - ACH payment does not belong to specified loan
  • 404 NOT FOUND - Customer, loan, or payment not found with provided IDs
  • 409 CONFLICT - Multiple ACH payments found with the same processor transaction ID
  • 500 INTERNAL SERVER ERROR - Server error during processing