We brought same day ACH transfers online for our White Label customers recently and wanted to share how it works programmatically. Faster ACH payments are great because they mean those receiving payments don’t have to wait until the next day, as is the case with Standard ACH. The receiver’s bank account stays the same and the receiver just gets access to the money faster.


We wanted to ensure sending same day ACH transactions in our API is as straight-forward as possible. Customers sending same day transfers don’t need to rebuild their White Label integrations.

To take advantage of same day ACH you only need to designate the clearing speed when initiating a new transaction using the send ACH Transfer endpoint.

To send an ACH transfer credit to a bank account you add the clearing object to your send transaction:

"clearing": {
   "source": "standard",
   "destination": "same-day"
 }

Sending a regular ACH transfer with Dwolla’s API looks like this:

{
   "_links": {
       "source": {
           "href": "http://api-uat.dwolla.com/funding-sources/e0a47fcd-756e-4a5b-82f8-e8df39a98d7f"
       },
       "destination": {
           "href": "http://api-uat.dwolla.com/funding-sources/98906111-ce4d-496e-b6e7-1a8db862453"
       }
   },
   "amount": {
       "currency": "USD",
       "value": "100.00"
   }
}

This ACH credit will clear next day. To send a same-day ACH credit you add this:

{
   "_links": {
       "source": {
           "href": "http://api-uat.dwolla.com/funding-sources/e0a47fcd-756e-4a5b-82f8-e8df39a98d7f"
       },
       "destination": {
           "href": "http://api-uat.dwolla.com/funding-sources/98906111-ce4d-496e-b6e7-1a8db862453"
       }
   },
   "amount": {
       "currency": "USD",
       "value": "100.00"
   },
   "clearing":{
       "destination": "same-day"
   }
}

That’s it. Add the additional instructions and you’re sending Same Day ACH transfers.

In early testing, we’re finding that it’s possible to have ACH credits shown in the receiver’s account before 12PM CST or before close of business depending on when the transaction is initiated and what bank the receiver uses.

Same day ACH is now functional for a select number of customers. If you’re interested in using it please let us know and we’ll work with you to get your application online sending Same Day ACH Transfers.

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