> ## Documentation Index
> Fetch the complete documentation index at: https://docs.natural.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> When building application code, use `@naturalpay/sdk` for TypeScript or `naturalpay` for Python.
> When searching Natural documentation, use the docs MCP at `https://docs.natural.com/mcp`.
> Use the Natural CLI for terminal and CI automation.
> Start integration development and testing in the sandbox. Do not use production unless the user explicitly requests it.
> For sandbox requests that require `customerPartyId`, list customers first. Reuse only the intended fixture; otherwise create a customer.
> REST and SDK amounts use integer minor units. Payments MCP amounts use decimal strings with a required currency code.

# Direct

> Pay anyone with a US bank account by ACH, wire, or realtime payment

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<p className="changelog-rail" data-date="2026-10-21" data-path="/changelog/direct">
  October 21, 2026
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<img src="https://mintcdn.com/natural-b3c9dd77/OzmZU6dn3KofusJF/assets/heroes/direct-hero.jpg?fit=max&auto=format&n=OzmZU6dn3KofusJF&q=85&s=4bfd974f3483dbf74184e3e27623c4c2" alt="Select rails card with Wire selected, above ACH, RTP / FedNow, and Stablecoins" width="2400" height="1280" className="hero-image" noZoom data-path="assets/heroes/direct-hero.jpg" />

With Direct, your agents can now pay anyone, any way they need to be paid. Save a payee as an external party, add their bank account, then send money on the rail that fits the payment:

* **ACH** — settles in network batches. The receiving bank can return a payment after settlement.
* **Wire** — a domestic USD wire. A wire can't be returned once it completes.
* **Realtime** (powered by RTP and FedNow) — typically settles in seconds and can't be reversed.

Direct works from the API and MCP, so an agent can add payees, save bank accounts, and send, list, or cancel payments. In MCP, platforms can also pay on behalf of a connected customer by passing `customerPartyId`.

Try Direct in Natural now. Get started with [external parties](/guides/concepts/external-parties), then send with [ACH](/guides/concepts/ach), [wire](/guides/concepts/wire), or [realtime](/guides/concepts/realtime).

<div className="changelog-pager">
  <a className="changelog-pager__link changelog-pager__link--next" href="/changelog/mcp-client-support">
    <span className="changelog-pager__title">Expanded MCP compatibility</span>
  </a>
</div>


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