ACH Trace ID in Transfer API Responses

Transfer objects in the Dots API now include an ach_trace_id field that exposes the NACHA trace ID for ACH and RTP payouts. You can use this identifier to investigate payout status with your bank or when working with Dots support on ACH/RTP transfer issues.

Dashboard visibility

The ach_trace_id is also visible in the Dots dashboard. When viewing a completed ACH or RTP transfer in the Transfer details view, you can see the trace ID alongside other transfer information.

Field definition

The ach_trace_id field appears on transfer objects returned from /v2/transfers/* endpoints:

{
  "id": "transfer_abc123",
  "status": "completed",
  "amount": 1000,
  "ach_trace_id": "1234567890123456",
  ...
}

The field is a string containing the NACHA trace ID assigned by the payment rail when processing your ACH or RTP transfer. This identifier is useful when:

• Investigating a completed payout that hasn't appeared in the recipient's bank account

• Coordinating with your bank to locate funds

• Working with Dots support on a transfer investigation

Nullable behavior

The ach_trace_id field may be null in the following cases:

• The transfer used a payment rail other than ACH or RTP

• The transfer predates the JSONB backfill that populated trace IDs for historical records

• The transfer failed before reaching the rail stage where a trace ID is assigned

Webhook payloads

The ach_trace_id field is included in terminal webhook events:

• transfer.completed

• transfer.failed

Both events include the full transfer object with ach_trace_id in the payload:

{
  "event": "transfer.completed",
  "transfer_id": "transfer_abc123",
  "transfer": {
    "id": "transfer_abc123",
    "status": "completed",
    "ach_trace_id": "1234567890123456",
    ...
  },
  "metadata": {}
}

Legacy compatibility

For backward compatibility, transfers that predate the JSONB backfill may surface the trace ID value from an internal payout_trace_id field. Your integration should treat ach_trace_id as the authoritative field—any legacy field handling is internal to Dots.

If you previously accessed payout_trace_id through other means, migrate to using ach_trace_id from the public API response.

Using the trace ID with support

When contacting Dots support about an ACH or RTP payout issue, include the ach_trace_id (if available) along with the transfer ID and amount. This helps support trace the transfer through the payment network.

For payee-facing recovery guidance, see Where is my money?.