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Payment methods · Panama · Dominican Republic · El Salvador · Honduras · Guatemala · Colombia

ACH payouts in Panama, Dominican Republic, El Salvador, Honduras, Guatemala and Colombia

Reach beneficiary bank accounts over each country’s ACH with one payout API, documented cut-offs and settlement times, and the final status by signed webhook.

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  • Payout rail
  • Panama, Dominican Republic, El Salvador, Honduras, Guatemala and Colombia
  • Payout

Key facts

ACH Pronto in Honduras, by the numbers

Figures published by the Central Bank of Honduras.

What it is

One payout flow over six national ACH networks

ACH (automated clearing house) is the bank-transfer network used for payouts in these markets. Localpayment documents ACH payouts in Panama, the Dominican Republic, El Salvador, Honduras (where it is called ACH Pronto), Guatemala (for amounts above GTQ 20,000) and Colombia. Each country has its own code, settlement time and, where documented, cut-off. These markets are covered for payouts only, except Colombia, which also has pay-ins.

  • Same-day or T+1 in Panama and Colombia; T+1 in the Dominican Republic, El Salvador, Honduras and Guatemala
  • Documented cut-offs: 14:00 in Panama, 13:00 in the Dominican Republic and 15:00 in Colombia, local time
  • One payout API and a signed webhook for the final status

How it works

How an ACH payout works

Actors and steps follow the documented flow. The final status always arrives by signed webhook.

  1. 1

    Your businessLocalpayment:

    Sends the payout request

    POST /api/payout/ with the beneficiary details, amount and externalId. Compliance checks run; with requireAuth, a second approver signs off before funds move.

  2. 2

    LocalpaymentBank · ACH:

    Locks the funds and sends the instruction

    The payout moves from Locked to In Progress over ACH.

  3. 3

    Bank · ACHBeneficiary:

    Credits the beneficiary

    Timing depends on the rail; see the key facts below.

  4. 4

    LocalpaymentYour business:

    Webhook: payout completed

    Localpayment updates the payout to its final status. Signed webhook with the final status; the proof of payment can be downloaded.

Simplified diagram. Timing depends on the rail and the bank; see the key facts below.

How it works

See ACH in action

A simplified, fictitious walkthrough. Names and amounts are examples.

  1. 1Comercio EjemploYour platform sends a COP 850,000.00 payout through ACH.
  2. 2Banco EjemploThe beneficiary sees the COP 850,000.00 credit in their account or wallet.
  3. 3Payout completedYour system receives the signed webhook and updates the order.
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Key facts

ACH: key facts

  • Countries

    Detail
    🇵🇦 Panama · 🇩🇴 Dominican Republic · 🇸🇻 El Salvador · 🇭🇳 Honduras · 🇬🇹 Guatemala · 🇨🇴 Colombia

  • Currency

    Detail
    USD · DOP · HNL · GTQ · COP

  • Direction

    Detail
    Payout only

  • Panama · Bank transfer (ACH)

    Detail
    Same day or T+1, cut-off 14:00 local time

  • Dominican Republic · Bank transfer (ACH)

    Detail
    T+1 (next business day), cut-off 13:00 local time · Up to ≈ USD 10,000

  • El Salvador · Bank transfer (ACH)

    Detail
    T+1 (next business day), cut-off 14:00 local time

  • Honduras · Bank transfer (ACH Pronto)

    Detail
    T+1 (next business day), cut-off 12:00 local time · Up to ≈ USD 10,000

  • Guatemala · Bank transfer (ACH)

    Detail
    T+1 (next business day), cut-off 12:00 local time · Above GTQ 20,000

  • Colombia · Bank transfer (ACH)

    Detail
    Same day or T+1, cut-off 15:00 local time · Min. COP 40, no maximum

Taken from the Localpayment documentation for each country. Limits and availability can change; confirm them with your account manager.

Consumer experience

What your customer sees with ACH

Authorization, limits and refunds as documented on docs.localpayment.com. Limits are shown only where the documentation states them.

  • How the customer authorizes

    Nothing is required from the beneficiary. You create the payout with POST /api/payout/ using the country’s ACH code, the beneficiary’s bank, account type and number, and their document; if double-signature approval is enabled, a second user approves it in the Business Portal. The beneficiary receives the credit in their bank account within the documented settlement time.

  • Documented limits

    Bank transfer (ACH) (Payout): Up to ≈ USD 10,000 · Bank transfer (ACH Pronto) (Payout): Up to ≈ USD 10,000 · Bank transfer (ACH) (Payout): Above GTQ 20,000 · Bank transfer (ACH) (Payout): Min. COP 40, no maximum. Per transaction, as published in the documentation; contractual limits may differ.

  • Refunds and returns

    If the beneficiary bank rejects a completed payout days later (closed or invalid account), the funds come back to your Localpayment balance and the payout moves to Returned, notified by webhook. A recall for wrong beneficiary data is a manual request to our operations team and is not guaranteed.

Integration checklist

Go live with ACH in five steps

The same sequence for every rail. Watch the animated checkout for this country before you build.

  1. Get Stage credentials

    Request access, receive sandbox credentials and obtain a JWT with POST /api/token/.

  2. Fund your balance

    Payouts are debited from your Localpayment balance in the local currency; fund it locally or via Wire In with FX.

  3. Send the payout

    POST /api/payout/ with the beneficiary, document, account or alias, amount and a unique externalId.

  4. Approve and track

    With requireAuth a second user approves; follow Received, Locked, In Progress and Completed by signed webhook.

  5. Watch the animated flow

    Every method of this country, screen by screen, in the checkout experiences gallery.

Why Localpayment

Why use ACH with Localpayment

  • One API for pay-ins and payouts

    ACH runs on the same API as every other method: POST /api/payin/ to collect, POST /api/payout/ to pay out, and new markets by configuration.

  • Webhook status on every transaction

    Every status change is pushed to your endpoint, signed with HMAC-SHA256, so you can verify and automate.

  • Reconciliation in the Business Portal

    Match every transaction through your externalId and our internalId, with Business Portal reports and balance APIs.

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FAQ

ACH: frequently asked questions

Which countries support ACH payouts?

Panama (code 0150), the Dominican Republic (0080), El Salvador (0100), Honduras as ACH Pronto (0120), Guatemala above GTQ 20,000 (0110) and Colombia (0060). See the key facts table above for settlement times and cut-offs.

How long do ACH payouts take?

As documented, Panama and Colombia settle the same day or T+1, while the Dominican Republic, El Salvador, Honduras and Guatemala settle T+1. Cut-offs are 14:00 in Panama, 13:00 in the Dominican Republic and 15:00 in Colombia, local time.

How do I send an ACH payout?

Send POST /api/payout/ with the country, beneficiary data and the ACH code, and receive the final status by signed webhook. Confirm limits with your account manager.

What are the payout statuses?

100 Received, 101 Locked (passed compliance), 102 In Progress (sent to the ACH), 200 Completed (credited) and 300 Rejected, each delivered by signed webhook.

What happens if I send after the cut-off?

Payouts created after the documented cut-off (14:00 in Panama, 13:00 in the Dominican Republic, 15:00 in Colombia, local time) enter the next business day’s cycle. Plan batches accordingly.

What if the beneficiary account is wrong?

The receiving bank rejects the transfer and you get status 300 by webhook with the reason. The funds stay in your balance; correct the data and create a new payout.

Do I need a separate integration per country?

No. The payout API, the beneficiary object and the webhook are the same; only the country, currency and payment-method code change. New countries are enabled by configuration.

Send payouts via ACH

Tell us your markets and volumes. We start you on Stage (sandbox) credentials and guide you to go-live.

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