Cutoff Times

A cutoff time is a wall-clock time that ACH files must be delivered to the Federal Reserve. As ACH is a batch payment method these cutoff times are the key component to batching payments. The Federal Reserve publishes their Processing Schedule but ODFIs typically require uploads 15-30mins prior to the Federal Reserve window. The Federal Reserve also publishes a list of holidays where processing does not occur.

Example with 30-min ODFI deadline

Developers

Moov publishes a Time object in moov-io/base to assist with calculating banking days and when holidays are observed. There is also a bankcron Docker image for running tasks only on banking days.

Manual Triggers

ACHGateway supports manually triggering inbound or cutoff processing. A list of shards can be specified or all shards can be triggered.

Flushing ACH Files

There is an endpoint to initiate cutoff processing as if a window has approached. This involves merging transfers into files, upload attempts, and audit trail storage.

$ curl -XPUT http://localhost:9494/trigger-cutoff --data '{"shardNames":["testing"]}'
{
  "shards": {
    "testing": null,
    "SD-live": "ERROR: unknown host"
  }
}

Processing ODFI Files

There is an endpoint to initiate processing of ODFI files which could be incoming transfers, returned files, corrected files, and pre-notifications.

$ curl -XPUT http://localhost:9494/trigger-inbound
{
  "shards": {
    "testing": null,
    "SD-live": "ERROR: unknown host"
  }
}