# ACHQ Documentation

> Documentation for ACHQ

## Guides
- [About ACHQ](https://developers.achq.com/docs/about-achq.md): Build a world-class embedded payments experience with the ACHQ API
- [Platform Features](https://developers.achq.com/docs/platform-features.md)
- [Overview](https://developers.achq.com/docs/general-implementation-rules.md): Common themes and understanding required for interacting with the ACHQ platform API
- [Authentication](https://developers.achq.com/docs/authentication.md)
- [Tokenization](https://developers.achq.com/docs/tokenization.md): Encrypt sensitive data to reduce platform risk
- [Application testing](https://developers.achq.com/docs/sandbox-and-testing.md): Sandbox and developer mode
- [Same-Day ACH](https://developers.achq.com/docs/same-day-vs-standard-ach-processing.md): A little bit faster now
- [Identifying numbers](https://developers.achq.com/docs/transaction-identification.md): Keep your system in sync with ACHQ
- [Overview](https://developers.achq.com/docs/payments-overview.md): A complete bank payments API, designed for scale
- [Tokenize a bank acount](https://developers.achq.com/docs/create-a-token.md): Convert sensitive bank data into an encrypted token for use with the ACHQ API
- [Create a payment](https://developers.achq.com/docs/create-a-payment-bank-account.md): Submit a payment on behalf of your customers using bank account data
- [Use a token](https://developers.achq.com/docs/use-a-token.md): Create a payment using an ACHQ or 3rd party token
- [Update a payment](https://developers.achq.com/docs/update-a-payment.md): Allow merchants to make last-minute changes to a payment without leaving your system
- [Cancel a payment](https://developers.achq.com/docs/cancel-a-payment.md): Stop a payment from processing with the click of a button
- [Hold a payment](https://developers.achq.com/docs/hold-a-payment.md): Temporarily prevent a payment from processing
- [Refund a payment](https://developers.achq.com/docs/refund-a-payment.md): Send the full or partial amount of a payment back to the customer
- [Overview](https://developers.achq.com/docs/settlement-api.md): Reconcile platform payment activity with merchant bank statements
- [Get Settlements](https://developers.achq.com/docs/settlements.md): Use this API to add a reconciliation ledger to your application
- [Get Settlement Details](https://developers.achq.com/docs/settlement-detail.md): Use this API to get line item payment details for a settlement record
- [Overview](https://developers.achq.com/docs/event-monitoring.md): Track payment status events and report from within your platform
- [Payment event tracking](https://developers.achq.com/docs/payment-event-tracking.md)
- [Bank account tools](https://developers.achq.com/docs/bank-account-tools.md)
- [Bank Account Response Codes](https://developers.achq.com/docs/bank-account-reponses.md)
- [Return Codes](https://developers.achq.com/docs/return-codes.md)
- [Authorization Guide](https://developers.achq.com/docs/authorization-guide.md): Proper authorization is the key to avoiding chargebacks
- [ACH Basics](https://developers.achq.com/docs/ach-basics.md)
- [Nacha Rules](https://developers.achq.com/docs/ach-rules.md)
- [Payment Types](https://developers.achq.com/docs/ach-payment-types.md)
- [Returns and disputes](https://developers.achq.com/docs/ach-returns.md)
- [Are you a MSB?](https://developers.achq.com/docs/are-you-a-msb.md)

## API Reference
- [Introduction](https://developers.achq.com/reference/introduction.md)
- [Authentication](https://developers.achq.com/reference/authentication-1.md)
- [Response codes](https://developers.achq.com/reference/response-codes.md)
- [Create bank token](https://developers.achq.com/reference/banktoken.md)
- [Create a payment (tokenized)](https://developers.achq.com/reference/tokenizedpayment.md)
- [Create a payment (bank account)](https://developers.achq.com/reference/bankpayment.md)
- [Modify a payment](https://developers.achq.com/reference/updatepayment.md)
- [Cancel a payment](https://developers.achq.com/reference/cancelpayment.md)
- [Hold a payment](https://developers.achq.com/reference/holdpayment.md)
- [Refund a payment](https://developers.achq.com/reference/refundpayment.md)
- [Get Settlements](https://developers.achq.com/reference/get-settlements.md): Lookup settlement records for merchants
- [Get Settlement Details](https://developers.achq.com/reference/settlement-details.md): You must have a "SettlementId" from the Get a Settlement endpoint
- [Payment Event Tracking](https://developers.achq.com/reference/eventmonitor.md)
- [Bank account status](https://developers.achq.com/reference/bank-account-status.md): Uses the routing and account number to provide real-time account status for consumer and business accounts giving you confidence that a bank account is valid prior to approving a deposit or accepting a payment.
- [Bank account ID](https://developers.achq.com/reference/bankaccountid.md): First uses the routing and account number to provide real-time account status for consumer and business accounts  If the account is valid, verifies your customer is an authorized signatory on a bank account to confirm transactional authority on the account prior to processing a payment.
- [Create a Merchant](https://developers.achq.com/reference/merchant-onboarding.md)
- [Create a Fee Profile](https://developers.achq.com/reference/post_onboarding-fees.md)
- [Industry categories](https://developers.achq.com/reference/industry-categories.md)
- [Run in Postman](https://developers.achq.com/reference/run-in-postman.md)