List inbound ACH transfers
Find ACHs another bank sent you, including deposits from payers.
List outbound ACH transfers
Find the transfers you initiated, whether they pushed money out or pulled it
in.
Concepts
What is inbound?
How Lemma distinguishes transfers initiated outside Lemma from transfers initiated inside Lemma.
“Inbound” refers to a transfer initiated outside Lemma, by a bank, network, or counterparty that isn’t you. An “outbound” transfer, by contrast, is one initiated inside Lemma, either by your application through the API or by a user acting manually in the Lemma dashboard.
This distinction is about who started the transfer, not which direction money moves. Both inbound and outbound transfers can move money in either direction.
The two ACH endpoint categories make this concrete. An outbound ACH transfer is one you created through the API or the dashboard is associated with an external account. An inbound ACH transfer is one that arrived from another bank. Both inbound and outbound ACHs can debit and credit you funds. For example, an outbound ACH transfer will reduce your bank account balance money if you were sending funds to an external account but it will increase your balance if you were intiating an ACH pull.