PEP+®: Direct enables PEP+ clients to provide frequently used functions to consumers through their channel of choice, providing financial institutions greater consistency in their user experiences, expanded delivery channels and flexibility to meet consumers' changing needs.



As financial institutions attempt to differentiate themselves, the focus on customer and member experience and ease-of-use has become increasingly important. APIs allow financial institutions to provide commonly used, value-added services in a manner consistent with their institutions' brand identities and usability standards, with minimal friction in the user experience. PEP+: Direct will be that API layer that allows access to several frequently used ACH functions.



Create a Better Customer Experience

Consumers expect exceptional online experiences from their financial institutions. To help meet these evolving needs, here are a few of the APIs that Fiserv delivers through our PEP+: Direct platform:

  • Control totals: Allow your customers to add, modify or delete ACH control totals through various channels, including your cash management website and mobile devices
  • Positive pay: Administer complete ownership of the user experience as customers post transactions to their accounts
  • Reverse positive pay: Address costly inefficiencies by empowering both consumer and corporate customers to return unauthorized ACH items directly from your website or mobile app
  • Warehouse inquiry: Provide ACH detail and addenda information to internal users and external customers. Use the PEP+ warehouse data to enrich the ACH-related information available on your customer-facing online platforms and enable ACH data exports in file formats that may not be available today
  • Onboarding and maintenance: Support the initial setup and ongoing maintenance of commonly used customer information, reducing your reliance on native PEP+ screens
  • Deletes and reversals: Enable customers to request the deletion or reversal of their own ACH origination files, batches or items directly from the website they used to submit them

Terms and Conditions




PEP+ : Direct - Onboarding and Maintenance API

The Onboarding and Maintenance API supports the initial setup and ongoing maintenance of commonly used customer information on PEP+, reducing your reliance on native PEP+ screens.

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PEP+: Direct - Warehouse Inquiry

With the PEP+®: Direct Warehouse Inquiry API, you can deliver the right information to your customers and internal partners in the right place at the right time. Empower users to access full payment details and addenda records and originated file and batch information with the click of a button.

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PEP+: Direct – Origination API

The PEP+®: Direct – Origination API supports the origination of ACH items via an API to improve efficiency and enhance the customer experience.

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PEP+: Direct – Deletes and Reversals Video

The PEP+® Direct - Deletes and Reversals API lets customers use a single site to submit an ACH origination file, batch or item – and request deletions or reversals on their own.

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PEP+ Direct - File Status Tracker

Track ACH files or batches as they progress through standard processing milestones in PEP+® Watch the video


Pep+: Direct

PEP+®: Direct from Fiserv empowers financial institutions to control their customers' online experience through APIs.

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