Same-Day ACH - Overview

What is Same-Day ACH?

Same-Day ACH allows you to receive eligible payments on the same business day, as long as they're submitted before 4:00 pm ET. In most cases, funds will arrive by 6:30 pm ET.

💡 We’re actively working to extend this cutoff window even further — stay tuned for updates!

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Same-Day ACH Eligibility Requirements

The feature must be enabled in your account, and each bank account must complete at least one successful standard ACH transaction before becoming eligible. Every payment is then reviewed by our risk engine to determine if it qualifies for Same Day processing.

⚠️ The first payment from a given bank account will not process via Same-Day ACH. 

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Are there any limits or restrictions?

While Same-Day ACH is fast and convenient, there are a few things to be aware of:

• Historical Transaction Amounts: Same Day ACH has risk limits based on prior payment history to mitigate fraud and insufficient funds. As our system learns more about the types of payments from your clients, more payments will run Same Day. A successful standard ACH transaction is required before eligibility. . 
  
  

• Daily Limit: Same-Day ACH transactions are limited to $1 million per day across all customers.
  
  

• Failed Payments: If a payment is returned or fails, this may impact your ability to use Same-Day ACH with that customer going forward.
  
  

• Failed Payment Fee: There is a $10 fee for failed payments.

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What does Same-Day ACH cost?

Same-Day ACH comes with a 1% transaction fee (in addition to standard ACH fees). We also offer Same-Day ACH Packages included in select higher-tier subscription plans.

If you’re interested in enabling Same-Day ACH or upgrading your plan, contact our team at [e-mail].