By: Ben Milne,

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.same-day-ach-programmatically-dwolla

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 partners. 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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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.