Nacha—the nonprofit that oversees the ACH Network—announced the Same Day ACH transaction limit will increase from $100,000 to $1 million on March 18, 2022. Dwolla will automatically enable Same Day ACH for approved transactions under the new limit— for eligible businesses who are approved for Same Day ACH.

Same Day ACH transfers are a popular transfer speed among businesses using ACH for payments. In September 2016, Nacha mandated every U.S. financial institution make themselves capable of receiving Same Day ACH credits. This phase allowed businesses—with access granted by their financial institution—to send same-day payment transfers and enjoy faster payments using the ACH Network. 

In 2019, consumers and businesses sending payments through the ACH Network initiated more than 250 million Same Day ACH transactions, totaling $247 billion, according to Nacha. About 98 percent of all ACH transactions were less than $25,000, but this limit was never high enough for organizations that rely on sending or receiving larger ACH transactions. Transaction limits were increased to $100,000 in March of 2020 to accommodate these organizations before increasing to $1 million per transaction in March 2022.

Higher transaction limits add great benefits to the ACH Network for businesses doing cash concentration and disbursements (CCD) through the ACH Network, as well as many other use cases.

In addition to changes to the transaction limits, Nacha announced it would expand access to Same Day ACH by creating additional processing windows. 

Here is our updated Same Day ACH schedule: 

  • Transfers initiated prior to 9 a.m. CT will clear at 11:30 a.m. CT
  • Transfers initiated between 9 a.m. and 3 p.m. will clear at 5 p.m. CT.

ACH Transfer Speeds

Answering the question, “How long will this ACH transfer take?” requires understanding what type of transaction is being initiated—and when the payment was initiated. 

ACH transactions with Dwolla are broken into two smaller transactions: from the sender to the Dwolla Network, then from the Dwolla Network to the receiver. 

A standard ACH debit through Dwolla is made available three to four business days after being initiated. Once funds are made available in the Dwolla Network, the credit to the recipient takes place; funds become available on the following business day—completing the ACH transaction. 

With Dwolla, transaction timing can be expedited and utilizing the Dwolla Balance feature allows transaction times to be dramatically shortened. 

Custom Transaction Limits

Determining the appropriate limits for sending and receiving payments is something that Dwolla works closely with clients on to best fit their needs. Dwolla works to understand every business’ use case and funds flow to unlock the best experience possible with Dwolla’s bank transfer API. This means setting custom transaction limits for verified users. 

Dwolla’s bank transfer API provides businesses with everything from bank account verification tools to webhooks, making it easy to send custom communications to users around account activity or payment status. And because the Dwolla API is white labeled, clients have the flexibility for customization—making no two integrations the same.

Each customer is empowered to build their integration with the appropriate payment flow(s) and tailor the user experience to fit their brand. Clients are also able to select from more elite platform features, such as expedited transfer speeds or higher transaction limits for a more enhanced experience.

Scalable Technology

We’ve built our payment API to be future ready to support new transfers times, like Same Day ACH, as well as new transfer types. We’re well-acquainted with the ACH Network and well-positioned to help your business manage Same Day ACH functionality.

Get started on designing your ideal bank transfer integration and learn how your business can get ahead with some of our expanded features.


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