Back to Blog
ACH

ACH Payment Processing Time

May 2, 2022 • by shall

ACH payments are processed differently from other forms of payment. The processing time can take several days, depending on when the request is sent and several other factors.

How Long Does It Take For Funds To Be Received In My Bank Account?

ACH payments aren’t instant. It can take several days for the funds to reach your bank account, typically 3 business days. So, if a transfer is sent on a Friday, for example, the transfer activity wouldn’t start until Monday. 

Here’s how the process works:

  • First, the ACH file is submitted to the bank. Once the bank processes the file, it’s sent to the ACH network.
  • The customer’s bank receives the file, debits the account, and the funds are credited to your bank.
  • The customer’s bank has two days from the date of the transaction to alert the ACH network of any failures. Failures may be due to insufficient funds in the account, incorrect payment details, or the ACH file being submitted incorrectly.
  • Your bank receives a notification from the ACH network, and the funds land in your account.

ACH debit payments are only processed three times per business day. If your request is submitted after the cut-off time, your request won’t be processed until the next day.

Can I Get Payment Instantly? 

At this point in time, it’s challenging to make instant payments through the ACH network. However, same-day processing is possible.

Can I Get Same Day Funding? 

Yes. Nacha has made same-day processing possible for nearly all types of ACH payments, including credits and debits. However, there are some important things to note:

  • Same-day processing does come at an additional fee
  • Transactions are limited to $1 million
  • International transactions aren’t supported

Same-day processing isn’t available through every bank. 

Blog Search
Most Read Blog Articles
The Key Disadvantages of POS Systems Every Business Owner Should Know The Key Disadvantages of POS Systems Every Business Owner Should Know July 21, 2021
High-Risk Check Processing High-Risk Check Processing July 20, 2021
Voice Authorization Basics Voice Authorization Basics July 20, 2021
Understanding What Registered ISO/MSP’s Are Understanding What Registered ISO/MSP’s Are July 21, 2021
Reddit Small Business: 4 Subreddits That Are Perfect for SMB Owners to Join Reddit Small Business: 4 Subreddits That Are Perfect for SMB Owners to Join July 21, 2021
Blog Categories
All posts 147
ACH 27
Cash Discount 11
Chargebacks 6
Clover 1
Credit Card Processing 119
Credit Card Reader 9
Educational Resources 8
EFT Payment 18
Featured 4
Fees 3
Funding 4
Interchange-Plus Pricing 2
Other 17
Recurring Payments 1
Regulation 1
Security 11

    Step 1/2

    Start Processing Payments Now

    No pushy sales.Transparent, straightforward pricing.

    What Can We Help You With?
    Credit Card Processing
    ACH Processing
    POS Solution
    eCommerce/Gateway
    Cash Discount
    Other
    Monthly Processing Volume
    $50,000 or Less
    $51,000 to $250,000
    $250,000 or More
    Industry
    Accounting/Bookkeeping
    Advertising
    Amusement & Entertainment
    Automotive
    Bars
    Business Services
    Car Sales
    Charity/Donations
    Clothing & Accessories
    Construction
    Contracted Services
    Debt Consolidation
    Direct Marketing
    Education
    Firearms & Ammunition
    Government Services
    Home & Garden
    Lending/Capital
    Liquor Stores
    Marketing
    Medical
    Miscellaneous Stores
    Personal Services
    Professional Services
    Tax Services
    Rent/Real Estate
    Repair
    Restaurants
    Retail Store
    Telecom
    Transportation
    Utilities
    Wholesale
    Other
    Required Field
    Required Field
    Required Field
    Required Field
    Required Field
    Required Field

    Thank you!

    Your inquiry has been sent

    We will contact you ASAP!