This article explains what Bank Originator IDs are and how to provide them to your bank to ensure Melio payments are never blocked or delayed. It contains the following sections:
- What is a Bank Originator code (ID)?
- Why do I need it?
- What do I need to do?
- Bank Originator IDs for Melio
What is a Bank Originator code (ID)?
An Originator ID (or ACH Company ID) is a unique 10-digit identification number assigned by a bank to a company, used to identify that organization when it initiates electronic payments (ACH debits/credits) from a customer's account.
Why do I need it?
Banks often put filters on your account to stop unauthorized companies from taking funds. While this is a good thing, it can also prevent Melio from debiting your account when you make payments.
What do I need to do?
Let your bank know that Melio is authorized and has your permission to debit your account. Next, supply them with all of the originator IDs listed for your bank in the chart below.
You’ll only need to do this once.
Bank Originator IDs for Melio
Note: Please provide only the originator IDs listed for your bank to help resolve any debit block issues.
| Bank Partner | Originator IDs |
| Evolve |
1320565847 1882523347 |
| SVB |
1294287528 7882523347 |
| J.P. Morgan (JPM) |
1289133000 1637678000 |
| JPM International ACH Transaction (IAT) |
3205658473 3637678000 |