Same Day ACH Debits

Same Day ACH Debits

Looking for efficient and cost effective ACH payment processing?  You’ve come to the right place.  Your ACH account includes both ACH debits and ACH credits processing capability allowing you to easily receive and send ACH EFT payments.  With same day ACH debits, payments are faster than ever before.

  • Competitive Rates.  Low rates with top-notch technology. Contact us today for your no-obligation rate comparison.
  • ACH Debits and ACH Credits.  Get paid with ACH debits.  Send money with ACH credits.
  • High Volume ACH Processing.  Specializing in high volume ACH accounts.  Quickly obtain the processing capacity you need to manage & grow your business.
  • ACH Debits Verification.  Confirm details of bank account prior to initiating an ACH debit.  Lower returns while reducing ACH processing costs.
  • Integration to Accounting / CRM / Shopping Carts.  The ACH payment gateway is already with major CRM, shopping carts, and accounting systems.  Enhance productivity.  Speed time to market.  Eliminate development expense.
  • Bulk Processing.  Quickly upload large ACH debit files for rapid processing of bulk orders.
  • Recurring ACH Billing.  Great for businesses that accept payments on a recurring basis.  “Set it and forget it” recurring ACH debits automate payments, stabilize cash flow, and protect profits.
  • Robust Cloud Reporting.  Access reports in multiple formats.  Quickly track all ACH debit transactions.  Simplifies account management.


Accept payments any way you want

We’ve got every channel covered


Increase Sales. Ship Faster. Satisfy More Customers

Reduce Risk

Get Your Money Faster. Decrease Returns

Competitive Advantage

More Payment Options = More Sales

Easy to Implement

API. Virtual terminal. Batch uploads

Superior Reporting

Get the data you need. When you need it

Your Satisfaction. And Your Customers

Everyone loves fast money.


What are ACH Debits?

ACH debits provide you the ability to electronically debit funds from your customers’ bank accounts.  ACH credits are used for direct deposit of money to bank accounts.  Same day ACH is now available meaning ACH payments are processed faster than ever before. 

Processing payments through the ACH EFT (electronic funds transfer) network is a proven effective method of receiving and sending money to bank accounts in the United States.  More than $40 trillion and over 24 billion transactions are processed though the ACH EFT network each year.  

Over 80% of America’s 28 million businesses transfer funds through the ACH-EFT network yearly.  American consumers regularly use the ACH EFT network to pay bills, purchase goods, pay for services, and receive wages. 

Same day ACH breathes new life into this already robust & vital network.  Positively affecting your cash flow and profit margins. Enhancing productivity and boosting your customer base.


What is Same Day ACH ?

Same day ACH is the fastest and most cost-effective way to transfer money between bank accounts.  Same day ACH debits clear much faster than standard ACH transaction which take 3-4 days to process.

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

With same day ACH debits, you combine the proven reliability of the ACH network with speedy payments.  All while saving you big money compared to card processing.


What Types of Businesses Benefit from Same Day ACH Debits?

Same day ACH debits give you the ability to electronically debit payments from bank accounts.  Although card payments are popular, many businesses and consumers prefer to pay you through a bank account rather than with a card.  And same day ACH saves you up to 90% in processing fees compared to cards.

Companies in all industries use same day ACH debits with great success. Any business that wants to streamline payments and get money faster benefit from same day ACH debits.

More than 95% of American households and 99% of US businesses have bank accounts and can pay you with an ACH debit.  The ACH EFT network is a familiar and trusted payment method used by millions of Americans every day.

Once your ACH account is approved, you can accept ACH debit payments online and by mail or phone (MOTO).  You can also take payments from businesses and consumers with written authorization.  And setup an unlimited number of recurring billing plans to ACH debit your customers’ bank accounts on a regular basis. 

Electronic invoicing is available through the ACH payment gateway. Eliminating the need to send out paper invoices.  And resulting in quicker payments to you.


Same Day ACH Debits for One-Time and Recurring Payments

ACH debits can be used for one-time payments or recurring billing models.  Common uses include payments for bills; entertainment; consumer & business services; repayment of loans; subscription and memberships; and installment purchases.  In fact, ACH debits can be used to pay for almost any product or service through all of your sales channels.

ACH debits are far more stable for recurring payments than cards.

Each year more than 20% of debit and credit cards are reissued.  Each time a card is reissued, updated card data has to be obtained before the recurring payment is approved.  This is time and labor intensive.  And no matter how hard you try, you may not be able to obtain the updated card information.  Resulting in loss of income from the recurring payment.

Compare this to ACH debits. 

Bank accounts rarely change.  It’s too much of a hassle to change accounts since direct deposits of wages and ACH debits for payments are already linked to the account.  Therefore, ACH debits are extremely stable over time.  Increasing the lifetime value of your customers to your business.  Stabilizing  your cash flow and protecting your profits. 


Same Day ACH for Ecommerce Merchants

Same day ACH debits increase profits for eCommerce merchants. Before same day ACH debits, online sellers had to wait before fulfilling an order because it took days to know if the payment would clear. 

Same day ACH debits changed everything.  Now, ecommerce merchants can enjoy all the benefits of accepting payments from bank accounts.  And satisfy customers’ demands for fast fulfillment of orders and quick shipping of products. 

With same day ACH, orders can be fulfilled quickly, often the same day as the order is placed. Making it as easy & convenient to accept ACH debits as it is to accept card payments.  At a cost much lower than card processing. 

Sales paid with ACH debits rather than cards are more profitable for you because you reduce your cost of sales.  ACH debits are not subject to interchange as cards are.  Orders paid with ACH debits rather than cards create greater profits for you on every sale. You make more money on every order, putting more cash in your pocket.

Paying for goods and services with ACH debits are the most popular alternative payment method for US shoppers. Ecommerce merchants confidently offer this trusted payment option at checkout. Resulting in more orders from shoppers that don’t have cards, are maxed on cards, or who simply prefer to pay you from a bank account rather than a card.


MOTO Payments with Same Day ACH Debits

Many businesses accept payments by phone or mail. Easily and quickly process same day MOTO ACH payments using virtual terminals.

Virtual terminals require no additional software. Any computer with internet access can be used as a virtual terminal. Users of  virtual terminals log into the secure banking network by entering unique usernames & passwords.  Payment details are entered into the virtual terminal and quickly processed. 

Once your ACH account is approved, you can use an unlimited number of virtual terminals to process payments.  


Applying for Your Same Day ACH Debits Account

Companies in all industries are welcome to apply for same day ACH payment processing.  Application is always free, with no obligation.  Approval takes 3-5 days from the time the completed application package is received. 

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

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.

Once the underwriter approves the account your merchant ID number (MID) is issued.  Login credentials are securely sent to you.  And you can start processing immediately. 

Free training for your staff members is included with all accounts.  And can be scheduled at your convenience.


Why Choose National ACH for Same Day ACH Debits?

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

  • ACH Credits and ACH Debits.  All your ACH processing are satisfied from a single source.
  • Save Money.  Same day ACH debits save you money compared to card payments. 
  • Competitive Advantage.  Fast same day ACH debits give you an edge in today’s competitive marketplace
  • Customer Satisfaction.  ACH EFT payments are trusted and familiar payment methods for businesses and consumers.  The more ways you accept payments, the more money you make.
  • High Volume ACH Payment Processing.  Specialists in high volume ACH accounts.  The more transactions you process, the lower the cost.
  • Superb Service.  Experienced ACH account managers are dedicated to your success.  Get the answers you want 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

Learn More >

ACH Processing

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

Learn More >

Same Day ACH Credits

Money sent today is received today

Learn More >

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