Same Day ACH

Shorten the standard ACH transfer timeline of 4-5 banking days by using Same Day ACH functionality to make funds available within the same business day.

Benefits of Same Day ACH Payouts Using Dwolla’s API

Controlled Cash Flow

Shorten the ACH processing window and give users quicker access to their funds—as fast as the same day.

Programmable Payments

Boost the timing in which funds are delivered to a user’s bank account through automated, expedited processing times.

Increased Transaction Limits

Same Day ACH transaction limits have increased from $25,000 to $100,000, allowing businesses to move larger amounts of money with faster transfer speeds.

Affordable Transaction Costs

Enjoy the benefits of faster funds transfer while avoiding the costs that come with credit cards and manual processes.
Understanding Same Day ACH Payments

Same Day ACH transfers are a highly adopted transfer speed among businesses using ACH for payments. Whether your business is looking to expedite payroll, provide faster crediting to prevent late bill payments or improve the speed of payments between businesses, implementing Same Day ACH functionality makes funds available faster.

Can my end user receive a payment on the same day the transfer is initiated with Same Day ACH?

Dwolla currently offers same-day bank transfers for ACH credits. As long as the transaction is initiated prior to 12 p.m. CT on a non-holiday business day, funds will arrive in the receiving bank account by the end of business that same day. If a Same Day credit is initiated at 9:30 a.m. CT on Monday, it will be sent out by noon and arrive in the receiving bank account by the end of business on Monday.

Transfer Timing Graphic

Find more information about Dwolla’s transfer timelines here.

Will Same Day ACH functionality complicate my ACH API integration?

Not at all. For businesses interested in Same Day ACH, Dwolla provides developer documentation to help navigate Dwolla’s ACH API. Businesses can take advantage of Same Day ACH credit transfers on a per transfer request basis.

Do my end users need a special bank, app or feature to receive Same Day ACH payments?

No, U.S. banks and credit unions can accept Same Day ACH transfers. After integrating Dwolla’s ACH payment API, businesses can onboard new users and have them add their existing bank account.

"Our return on investment was almost immediate. We were able to get up and running in no time with Dwolla’s straightforward API. Dwolla’s flexible options such as Same Day ACH gave us the flexibility our customers demand."
Josh Wolf
CEO of CargoSprint

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