Same Day ACH Credits

Same Day ACH Credits

Looking for smoothly efficient ACH payment processing?  You’ve landed in the right place.  Your ACH account includes both ACH credit and ACH debit processing capability so you can easily send and receive ACH-EFT payments.  Same day ACH makes processing payments faster than ever before.

  • Competitive Rates. Our goal is to provide you low rates with top-notch technology. Contact us today for a no-obligation rate comparison.
  • High Volume ACH Processing Specialists. Get the processing capacity you need to manage & grow your business.
  • ACH Credit Verification. Verify bank accounts before the first deposit of funds. Reduce processing expenses.
  • Integration to Accounting / CRM. The ACH payment gateway is integrated with many major CRM and accounting systems.  Increase productivity.  Speed time to market.  Eliminate development expense.
  • Bulk Processing. Upload large ACH credit files for rapid processing of bulk orders.
  • Recurring Payments. Unlimited recurring ACH credit plans help automate payments and streamline business operations.
  • Robust Cloud Reporting.  Access reports in multiple formats.  Quickly get details of all ACH credit transactions.


Accept payments any way you want

We’ve got every channel covered

Save Money

Lowest cost method to send expedited payments.

Account-to-Account Transfer

Great for all payouts & disbursements.  Moves money quickly between bank accounts.

Accounts Payable

Fast settlement of invoice payments between trading partners.  Detailed remittance information included.


Competitive advantage when recruiting workers.

Emergency Payments

Fast receipt of payments in emergency situation.

Customer Payments

Increase satisfaction by sending money to customers the same day.


What are ACH Credits?

The ACH EFT (electronic funds transfer) network is the oldest and most reliable money transfer platform in the United States.  The ACH EFT network is used for both sending and receiving money.

ACH credits let you direct deposit money to banks accounts.  ACH debits give you the ability to debit money from bank accounts. 

Same day ACH is now available.  ACH credits and ACH debits are now faster than ever before. 


Send Money Faster with Same Day ACH Credits

Everybody wants to receive money as fast as possible.  Same day ACH credits speed up payments.  Send money today.  The recipient receives the money today.  

Even better… you save over 90% with same day ACH credits compared to sending money by wire transfer.  And same day ACH credits cost far less than sending out paper checks.

Same day ACH credits are the least expensive, most reliable method to send money.   If you send out lots of payments, same day ACH credits are the way to go.

The ACH network processes more than 20 billion consumer and business payments annually worth over $40 trillion. The network is on target to process more than 8 billion transactions annually by 2022.


Processing Same Day ACH Credits

Your same day ACH credits account gives you the ability to deposit money to any bank in the United States.  The fast deposits of money via ACH credits virtually eliminate the need to send out checks or pay for expensive wire transfers. 

Same-time ACH credits are submitted in the same way as standard ACH credits.  Files can be submitted via API or batch uploads. Processing details include rich remittance data, expediting cash applications.

Currently, the maximum transaction amount permitted for a single same day ACH credit is $25,000.  This satisfies more than 98% of businesses using same day ACH credits.  This maximum amount allowed for ACH credits will increase to $100,000 in March 2020 to accommodate the need for higher ticket B-B transactions.   

Presently there are 2 windows for file submission.  Same day ACH credits submitted by 10:30 am Eastern time settle by 1PM.  Same day ACH credits submitted by 2:45 pm settle by 5 pm.  In September 2020, an additional ACH credit file submission time at 4:45 pm will be added. 


What Types of Businesses Use Same Day ACH Credits

Naturally, all the ability to send money quicker is a big asset to many companies.  Here’s are some of ways businesses are using same day ACH credits.

  • Lenders.  Disperse loans quicker with same day ACH credits.  Once a loan is approved, the money is sent fast.  Giving lenders that use same day ACH credits an edge in the competitive lending marketplace.  And satisfying customers’ desire for fast receipt of funds.
  • Payrolls.  Businesses that need to pay workers daily love same day ACH credits.  Great for paying hourly workers or day labor.  And perfect for emergency payments or missed deadlines.  Plus, fast payments enhance employee satisfaction while helping you attract new workers.
  • Business Payments.  Same day ACH credits allow for fast settlement of payments between trading partners.  Same day ACH credits include detailed remittance information which is helpful for accounting & reconciliation functions. 
  • Bill Payment.  Same day ACH credits and same day ACH debits let consumers pay bills on the due date.  Or receive faster crediting for late payments. 
  • Account Transfers.  Companies and consumers with multiple bank accounts at different financial institutions can transfer funds to different accounts faster and easier. 


Applying for Your Same Day ACH Credits Account

Business in all industries are welcome to apply for same day ACH credits account.  Application is always free, with no obligation.  Allow 3-5 days for account approval from the time the completed application package is received.

To apply for an ACH credits account, you submit an application along with supporting documents providing additional information about your company.  Supporting documents include: Color copy of ID for signer on account, recent bank statements, payment processing statements (if available); voided check from the depository account, and company formation documents.

It is wise to have a signer on the account with good personal credit.  If credit is not so great, adding a co-signer with good credit, helps account approval.

Once the application package is received, the underwriting team reviews the application paperwork.  Details on the application form are verified.  And the rest of the supporting documents are examined.

Then, the underwriters issue an approval.  Your merchant ID number is issued.  Login credentials are securely sent to you.  And you can start processing immediately. 

Free training for your staff members is included as part of the service.  And can be arranged to accommodate your schedules.

The ability to pay quickly is an asset to your business.  ACH Credits are the lowest cost expedited payment method.


Same Day ACH Credits Benefits by Department

Same day ACH credits are the lowest cost, fastest way to disburse payments. And gives your business measurable benefits.  Here are some of the primary advantages to the different departments in your organization. 


  • Reduce expenses for expeditated payments
  • Enhance cash flow forecasts
  • Reduce days payable outstanding (DPO)
  • Shorten invoice /payment time

Credit & Collections

  • Reduce days sales outstanding (DSO)
  • Lower, average days delinquent (ADD)
  • Improve, collection effectiveness index (CEI)
  • Enhance cash flow management


  • Payouts to employees, contractors, affiliates
  • Emergency payroll
  • Travel and expenses
  • Hourly wages
  • Payroll error corrections


Why Choose National ACH for Same Day ACH Credits

Businesses in all industries use our services to establish ACH credits merchant accounts.  Here are some of the reasons:

  • ACH Credits and ACH Debits.  Single provider for all your ACH processing needs.
  • Save Money.  Same day ACH credits save you money compared to sending out paper checks or wire transfer. 
  • Competitive Advantage.  Quick payouts with ACH credits help you gain an edge in today’s competitive marketplace
  • Reduce Costs.  Same day ACH credits lower the cost per payment/disbursements.  And lower costs for expedited transactions
  • Customer Satisfaction. Businesses, workers, and consumers all love to get money quicker. 
  • Hold on to Money Longer. The ability to disburse funds fast means you can keep money in your accounts longer.
  • High Volume ACH Payment Processing.  Specialists in high volume ACH accounts.  And, the higher your volumes, the lower your rates. 
  • Superb Service.  Experienced ACH account specialists dedicated to your success.  Get the answers and help you need whenever you need it.

Let Us Work for You

Your Success is Our Mission

At National ACH, we’ve done our homework on payments. Use our expertise to get the payment processing capacity you need to manage & grow your business. Our “niche” market is high risk & high volume payment processing. Yet, standard risk merchants also benefit from our services. We are always happy to talk with you, with no obligation. Discover top notch service along with the iron-clad secure processing solutions you are looking for. Payments power your business success.


National ACH is a one-stop-shop for all your merchant service needs.

Debit Credit Card Processing

High Volume US & International merchant accounts

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ACH Processing

Auto debits your customers’ bank accounts.  Electronically settles funds  to you

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Same Day ACH Credits

Money sent today is received today

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Echecks Processing

More flexible than ACH for high risk merchants

Learn More >

Want to see NationalACH in action?

See a Free Demo

Contact us at 855-562-ACH2