Money that leaves this morning and lands this afternoon, for seventy-five cents more than standard. No percentage, no tiering, no minimum volume to unlock the rail — one field on the request selects it.
Same-day ACH is an expedited version of a normal ACH transfer that settles on the same business day it is submitted, instead of the next business day or later. NACHA runs three same-day settlement windows per business day; an entry submitted before a window clears that day. It supports both credits (paying someone) and debits (collecting), and is capped by the network at $1,000,000 per transfer.
Same-day is not the default and should not be. It is worth it precisely where a day of settlement delay has a cost you can name — a support ticket, a discount forfeited, a period that closes.
A missed or short paycheck discovered Tuesday morning should not be a Thursday problem. Same-day fixes it inside the same shift for $1.50.
Release on receipt rather than on terms, without wiring $30 to do it. Contractors and suppliers who discount for fast payment usually discount well above $1.50.
Insurance claims, loan proceeds, marketplace seller payouts, refunds a customer is actively waiting on — anywhere a support ticket costs more than the fee.
The last three business days of a period are where a settlement day of slippage turns into a restatement conversation. Route the tail of the month same-day and leave the rest standard.
Every one of these has burned somebody's launch. They are network rules, not vendor limitations — no processor can sell you around them, so it is worth knowing them before you promise a customer a settlement time.
NACHA operates three same-day submission windows. An entry submitted before a window settles that same business day; one submitted after the last window rolls to the next business day. We submit to the earliest window an entry qualifies for automatically — there is no window parameter to get wrong.
The ACH network does not settle on weekends or Federal Reserve holidays. "Same-day" submitted Saturday means Monday. If you need genuine weekend settlement, that is RTP, not ACH.
The NACHA same-day limit is $1,000,000 per entry. Larger amounts either split across entries or route to standard ACH or wire. Standard ACH carries no network-imposed ceiling.
Faster settlement does not mean faster finality. An R01 can still come back the following business day, and a consumer dispute window remains 60 calendar days. Same-day buys speed, not irrevocability.
Instant payouts over RTP and push-to-card cost 0.95% of the transfer, capped at $10.00. Same-day ACH is $1.50 flat. The two are equal at roughly $158 — below that, instant is cheaper; above it, same-day ACH is, until the $10 cap makes instant competitive again on large transfers.
Which means the real decision is rarely price. It is whether the recipient needs the money outside banking hours. If it is 6pm Friday, same-day ACH does not exist — only instant does.
Same-day ACH is $1.50 flat per transfer at Paystack, regardless of amount. Standard and next-day ACH are $0.75 flat, so the same-day premium is 75 cents per transaction — not a percentage.
NACHA operates three same-day settlement windows each business day, the last of which closes in the mid-afternoon Eastern. Paystack submits each entry to the earliest window it qualifies for; an entry submitted after the final window settles the next business day. Exact cutoffs vary slightly by originating bank and are confirmed during onboarding.
Yes. NACHA caps same-day ACH at $1,000,000 per transfer. Above that, split the payment across entries or use standard ACH, which has no network-imposed per-transfer ceiling.
No. The ACH network settles only on business days, so a same-day entry submitted on a Saturday, Sunday, or Federal Reserve holiday settles on the next business day. For genuine 24/7/365 settlement including weekends, use RTP or FedNow instant payouts, priced at 0.95% capped at $10.
Same-day ACH is cheaper and predictable: $1.50 flat, settles within business hours. RTP settles in seconds, works nights and weekends, and costs 0.95% capped at $10.00 — so it is cheaper than same-day ACH only below about $158, and more expensive above it. Use same-day ACH when "today" is fast enough; use RTP when the recipient is watching their balance or it is a Sunday.
Both. Same-day ACH supports debits as well as credits, so you can collect same-day, not just disburse. The same $1,000,000 per-transfer limit and business-day window rules apply in both directions.