---
updatedAt: 2026-06-02T20:06:00.000Z
agentTools:
  projectIndex: https://docs.zerohash.com/llms.txt
---

# List pending ACH settlements

Retrieves pending ACH settlements for a specific platform. Used by the platform to reconcile the daily ACH settlement window.

# OpenAPI definition

```json
{
  "openapi": "3.1.0",
  "info": {
    "title": "zerohash API",
    "description": "\n### Authentication\n\nzerohash Uses HMAC SHA-256 verification to ensure the authenticity of API requests, follow instructions by link [https://docs.zerohash.com/reference/api-authentication](https://docs.zerohash.com/reference/api-authentication)\n\n<a href=\"/zh-swagger.json\">Download zerohash OpenAPI Schema as JSON</a>\n",
    "version": "1.7.0"
  },
  "servers": [
    {
      "url": "https://api.cert.zerohash.com",
      "description": "Certification API server"
    }
  ],
  "x-readme": {
    "proxy-enabled": false
  },
  "tags": [
    {
      "name": "Payments",
      "description": "Payment Services"
    }
  ],
  "paths": {
    "/payments/settlements": {
      "get": {
        "tags": [
          "Payments"
        ],
        "summary": "List pending ACH settlements",
        "description": "Retrieves pending ACH settlements for a specific platform. Used by the platform to reconcile the daily ACH settlement window.",
        "parameters": [
          {
            "$ref": "#/components/parameters/Signature"
          },
          {
            "$ref": "#/components/parameters/Timestamp"
          },
          {
            "name": "start_date",
            "in": "query",
            "description": "Inclusive start of the query window as a Unix timestamp in seconds. Defaults to 2 days ago.",
            "required": false,
            "schema": {
              "type": "integer",
              "format": "int64",
              "example": 1777722086
            }
          },
          {
            "name": "end_date",
            "in": "query",
            "description": "Inclusive end of the query window as a Unix timestamp in seconds. Defaults to now.",
            "required": false,
            "schema": {
              "type": "integer",
              "format": "int64",
              "example": 1777895286
            }
          },
          {
            "name": "platform_code",
            "in": "query",
            "description": "Platform code to fetch pending settlements for.",
            "required": true,
            "schema": {
              "type": "string",
              "example": "DEMO01"
            }
          },
          {
            "name": "page",
            "in": "query",
            "description": "Filter for a specific page (pagination)",
            "required": false,
            "schema": {
              "type": "number",
              "default": 1
            }
          },
          {
            "name": "size",
            "in": "query",
            "description": "Filter for the amount of pending ACH transaction objects returned",
            "required": false,
            "schema": {
              "type": "number",
              "default": 200
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Successfully retrieved paginated list of pending ACH settlements with optional filters: platform_code, start_date, end_date.",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/GetPendingACHTransactionsResponse"
                }
              }
            }
          },
          "400": {
            "description": "Bad Request",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/Code400"
                }
              }
            }
          },
          "403": {
            "description": "Forbidden",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/Code403"
                }
              }
            }
          },
          "404": {
            "description": "Not Found",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/Code404"
                }
              }
            }
          },
          "500": {
            "description": "Internal Server Error",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/Code500"
                }
              }
            }
          },
          "503": {
            "description": "Service Unavailable",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/Code503"
                }
              }
            }
          }
        }
      }
    }
  },
  "security": [
    {
      "apiKey": [],
      "apiPassphrase": []
    }
  ],
  "components": {
    "securitySchemes": {
      "apiKey": {
        "type": "apiKey",
        "description": "Your API public key. See the [Authentication guide](https://docs.zerohash.com/reference/api-authentication) for how to obtain keys.",
        "in": "header",
        "name": "X-SCX-API-KEY"
      },
      "apiPassphrase": {
        "type": "apiKey",
        "description": "The passphrase associated with your API key, set when the key was created.",
        "in": "header",
        "name": "X-SCX-PASSPHRASE"
      }
    },
    "parameters": {
      "Signature": {
        "name": "X-SCX-SIGNED",
        "in": "header",
        "description": "HMAC-SHA256 signature of the request, base64-encoded. See the [Authentication guide](https://docs.zerohash.com/reference/api-authentication) for the exact signing formula.",
        "required": true,
        "schema": {
          "type": "string"
        }
      },
      "Timestamp": {
        "name": "X-SCX-TIMESTAMP",
        "in": "header",
        "description": "Current Unix timestamp in seconds. Must be within 60 seconds of server time or the request is rejected.",
        "required": true,
        "schema": {
          "type": "string",
          "example": "1678901234"
        }
      }
    },
    "schemas": {
      "Code400": {
        "type": "object",
        "description": "Request was rejected by validation or a downstream service. `errors` is an array of human-readable messages; each entry describes a single validation failure or business-rule violation.",
        "required": [
          "errors"
        ],
        "properties": {
          "errors": {
            "type": "array",
            "items": {
              "type": "string"
            },
            "example": [
              "body/amount must be >= 0",
              "body/asset is required"
            ]
          }
        }
      },
      "Code403": {
        "type": "object",
        "description": "Authentication or authorization failed. `error` is always `true`; `message` explains which check failed (missing API key, bad signature, insufficient permission, etc.).",
        "required": [
          "error",
          "message"
        ],
        "properties": {
          "error": {
            "type": "boolean",
            "example": true
          },
          "message": {
            "type": "string",
            "example": "This api key does not have write permission to this endpoint"
          }
        }
      },
      "Code404": {
        "type": "object",
        "description": "The requested resource does not exist or is not visible to the caller.",
        "required": [
          "error"
        ],
        "properties": {
          "error": {
            "type": "string",
            "example": "Not Found"
          }
        }
      },
      "Code500": {
        "type": "object",
        "description": "An unexpected error occurred on the server. The request can be retried after a short delay, but the same inputs may reproduce the error.",
        "required": [
          "error"
        ],
        "properties": {
          "error": {
            "type": "string",
            "example": "Internal Server Error"
          }
        }
      },
      "Code503": {
        "type": "object",
        "description": "A downstream dependency was unavailable, timed out, or returned a retryable error. Safe to retry; the response carries a `zh-allow-retry: true` header.",
        "required": [
          "error"
        ],
        "properties": {
          "error": {
            "type": "string",
            "example": "Service Unavailable"
          }
        }
      },
      "PendingACHTransactions": {
        "type": "object",
        "properties": {
          "processing_window_date": {
            "type": "string",
            "format": "date-time",
            "description": "Processing window date the pending transaction is queued for.",
            "example": "2026-05-04T00:00:00.000Z"
          },
          "trade_id": {
            "type": "string",
            "format": "uuid",
            "description": "Linked trade identifier.",
            "example": "0f34533e-2114-469d-b505-c850d776e061"
          },
          "transaction_type": {
            "type": "string",
            "enum": [
              "credit",
              "debit",
              "unspecified"
            ],
            "description": "Direction of the pending ACH transfer. `credit` pays the participant, `debit` pulls funds from the participant."
          },
          "participant_code": {
            "type": "string",
            "description": "Participant the pending transaction belongs to.",
            "example": "ABCDEF"
          },
          "amount": {
            "type": "string",
            "description": "Transaction amount in USD.",
            "example": "12.01"
          }
        }
      },
      "GetPendingACHTransactionsResponse": {
        "type": "object",
        "properties": {
          "request_id": {
            "type": "string",
            "format": "uuid",
            "description": "Request identifier echoed back from the request.",
            "example": "0f68333e-2114-469d-b505-c850d776e063"
          },
          "message": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/PendingACHTransactions"
            }
          },
          "page": {
            "type": "number",
            "example": 1
          },
          "page_size": {
            "type": "number",
            "example": 200
          },
          "count": {
            "type": "number",
            "example": 10
          }
        }
      }
    }
  }
}
```