Overview

Lithic now surfaces recipient_name on inbound ACH transactions. This is the recipient name asserted by the originating bank (ODFI) in the NACHA Entry Detail record.

The field is populated only on inbound ACH receipts and is null when the originating bank does not provide a value.

Details

A new nullable field, recipient_name, is now available on the ACH method attributes of a transaction.


Field	`recipient_name` (string, nullable)
Applies to	Inbound ACH receipts only (`RECEIPT_CREDIT` and `RECEIPT_DEBIT` )
Not present on	Outbound (origination) ACH transactions
Source	The receiving company/individual name from the NACHA Entry Detail record

When to expect null:

The originating bank did not provide a name (empty or whitespace-only values are returned as null).
The transaction is an outbound ACH, where the field is never populated.
The transaction was processed before the release date. There is no backfill of historical transactions.

Potential uses of this new field include:

Showing end users a readable “to” field for ACH transactions
Enhancing fraud detection and controls using name matching
Helping catch misrouted payments

Release Timeline

Available now: July 22, 2026.

User Impact

This change is additive only. Learn more about ACH Payments via the ACH at Lithic.

If you have any questions or concerns, please contact us via the HELP link in your Lithic Dashboard.

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