BMO ACH Payments API
Initiates and manages U.S. ACH credit and debit payments (sending or collecting funds) with live status updates, for treasury and accounting system integrations. OAuth 2.0 plus client API key.
BMO ACH Payments API is one of 11 APIs that BMO publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
Tagged areas include Payments, ACH, and United States. The published artifact set on APIs.io includes an OpenAPI specification and API documentation.
This API exposes 4 operations across 4 paths, organized into 3 resource areas, and defines 14 schemas. It is described by OpenAPI 3.0.3, at version 1.1.3.
Requests are made against a single base URL, https://sandbox-open-api.bmo.com/open-banking/commercial-sb.
Metadata
The identity and technical contract details declared by the specification.
Authentication & Security 2
BMO ACH Payments API declares
2 security schemes
for authenticating requests.
An API key is passed in the header as x-api-key (api-key-1).
It supports OAuth 2.0 (OAuth) using the authorizationCode flow, exposing 3 scopes.
Paths & Operations 4
Across 4 paths, the API surfaces 4 operations — 4 POST. They span 3 resource areas: PaymentInitiation, PaymentStatus, TppACHArrangementCompany. Each is listed below with its method, path, parameters, and response codes.
This is a tag for Payment Initiation - send Payments. receive PAIN001/PAIN008 (Debit/Credit) ISO request as input and return PAIN002 ISO as response after interacting with downstr…
This is a tag for PaymentStatus which enquiry sends CAMT005 ISO JSON Request standard messages and enquires and responds back with PAIN002 message structure after querying matchin…
Schemas 14
The contract defines 14 schemas that model the data the API accepts and returns. The most detailed are Problem (6 properties), Result (4 properties), LinkedCompanies (3 properties), AdditionalDetail (3 properties). Each schema is shown below with its type and property counts.
Specification
The full machine-readable OpenAPI contract behind this narrative.
Source
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Other APIs BMO publishes across the network.
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