Banking Rail Adapter Developer Sandbox Active (TESTNET_ONLY=true)

ACH, FedNow & RTP Bank Transfers (Sandbox)

Programmatic bank transfer orchestration supporting instant credit transfers (RTP / FedNow) and standard ACH batch clearing via developer banking sandbox APIs.

Settlement ProfileRTP (<5s) / ACH Batch

Bank Rail Fee$0.25 / transfer

Messaging AdapterISO 20022 / REST

EnvironmentDeveloper Sandbox

Architectural Highlights (Verified in Repository)

ISO 20022 & BaaS Adapter Support: Includes an ISO 20022 pacs.008.001.08 credit transfer message builder and a REST sandbox driver for ACH (acht_...) and realtime (rttr_...) transfers.
Provisional vs. Final Settlement Tracking: Standard ACH transfers record as PROVISIONALLY_SETTLED (PENDING clearing) upon initiation and transition to FINAL only after webhook confirmation or out-of-band reconciliation sweep.
Counterparty Tokenization & Masking: ABA Mod-10 routing checksums are validated pre-flight, counterparty IDs (cpty_...) are cached, and only masked account references (ACH-****7890 (021000021)) are persisted in payout records.

Sandbox Dispatch Example Payload

curl -X POST https://instapayipx.vercel.app/api/v1/payouts/v2 \
  -H "Authorization: Bearer ipx_test_..." \
  -H "Idempotency-Key: bank-test-001" \
  -H "Content-Type: application/json" \
  -d '{
    "rail": "ach",
    "workerId": "wrk_9948271",
    "toAddress": "021000021:1234567890",
    "amount": 250.00,
    "currency": "USD",
    "memo": "Construction milestone payout (sandbox)"
  }'

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