{"id":"cb253394-0a3a-4262-8673-3ed96ff618b6","task":"Create Unit.co counterparties and originate ACH and wire payments via the Unit Payments API","domain":"docs.unit.co","steps":["Create a counterparty resource by posting to the counterparties endpoint with the routing number, account number, account type (checking or savings), and the counterparty's name; Unit validates routing number format but does not pre-verify account existence","Originate an ACH payment by posting to the payments endpoint with type achPayment, referencing the source account ID and the counterparty ID; specify direction (Debit or Credit), amount in cents, and a description that will appear on the bank statement","For same-day ACH, set the addenda or sameDay flag (consult current Unit documentation for the exact field name); same-day ACH has three daily submission windows managed by Unit on your behalf","For wire payments, post with type wirePayment; include the counterparty ID and a wire message (typically a memo or reference); wires require the counterparty's bank to be wire-capable","Poll or receive webhooks for payment status transitions: Pending → Sent → Settled (ACH credit) or Pending → Sent (wire, settles same day if submitted before cutoff)"],"gotchas":["Unit debits (pulling money from an external account) require the counterparty's explicit authorization under NACHA rules; Unit does not enforce this technically, but ACH debits without proper authorization expose you to R10/R29 returns","Counterparty records are reusable; creating duplicate counterparties for the same external account and then originating payments to each inflates your active counterparty count and complicates reconciliation — deduplicate before creating","ACH same-day cutoff times are enforced by Unit against NACHA's three daily windows; payments submitted after the final window are processed the next business day, not same-day — confirm current cutoff times from Unit's documentation"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:33.807Z"},"url":"https://mcp.waymark.network/r/cb253394-0a3a-4262-8673-3ed96ff618b6"}