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ACH Payment Processing Times | GoCardless Skip to content menu Open site navigation sidebar For use case
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Login Sign up ACH payment processing time (how long do ACH debit payments take?) Written by Brad Ewin An engineer-turned-writer, Brad’s focus at GoCardless is understanding the problems that face businesses around the globe. And creating the content that makes it easiest for them to navigate the solutions they have available. Brad’s writing has been featured in several other industry blogs and publications, including that of Xero, Intuit, AccountingWEB, and XU Magazine. Connect See full bio Last editedApr 2022 — 1 min read
What is ACH? ACH debit: how to get access How does ACH debit work?ACH debit payments with GoCardless
ACH debit is not an instant payment method. Payments may take more than 3 working days to clear on your bank account. Let’s take a brief look at the typical timeline of processing an ACH debit.
Day 0
Day 1
Day 2
Day 3
The time of day you initially submit the ACH file to your bank is important, as ACH debit payments only get processed at three times throughout the business day. Different banks may have different cut off times for receiving ACH files - if you submit after the cut off time, your request is not likely to be processed until the next day. Check with your bank for their specific cut off times.
For various reasons, the process to collect an ACH debit may fail (and thus potentially take longer). Common reasons for failure include:
The ACH file being submitted in an incorrect format
The customer having insufficient funds in their account
The customer’s payment details are incorrect
What about same day processing? Previously only applicable to ACH credit payments , Nacha has now enabled same-day processing capabilities (under the name Same Day ACH ) for “virtually all types” of ACH payments - including ACH debits as well as credits.
Same Day ACH has four notable limitations compared to ordinary ACH payments:
A $25,000 per-transaction limit
Additional fees
Not all banks in the US participate
No support for international transactions (IATs )
GoCardless makes it easy for businesses to save time, money and stress collecting recurring payments.
Over 85,000 businesses use GoCardless to get paid on time. Learn more about how you can improve payment processing at your business today. Contact us Seen 'GoCardless Ltd' on your bank statement? Learn more
GoCardless Ltd, 55 Collins Street, Melbourne VIC 3000, Australia
GoCardless Ltd (company registration number 07495895) is registered as a foreign company in Australia, ABN 17 606 261 74, and holds an Australian Financial Services licence (AFSL), number 478976.