Standard ACH transactions typically settle within a few business days, making them a reliable, low-cost option for recurring and high-volume payments. For businesses that need funds faster, Same Day ACH offers flexible, late cut-off times that put money in your account the same day — giving you more control over cash flow.

When an ACH payment is returned due to non-sufficient funds, automated recovery workflows re-present the payment up to two times — all within Nacha compliance rules. Merchants receive 100% of recovered principal plus a revenue share on collected NSF fees, with an average recovery rate of around 60%. Real-time alerts and reporting keep your team fully informed throughout the process.

Absolutely. Both one-time and recurring ACH payments are fully supported, making it easy to handle everything from a single invoice to monthly subscriptions, installment plans, and payroll. Businesses can save customer bank details securely, automate billing on preferred dates, and reduce missed payments — all from a single platform.

Account verification happens in near real time before any funds are requested. Validate confirms that routing and account numbers are active, while Validate+ adds enhanced checks like stop payments and NSF history. Authenticate goes further, verifying that the person initiating the payment actually owns the account — drawing on a database of over 596 million account records.

Yes — all three methods are supported. Developers can use REST APIs for full lifecycle control and custom integrations, while operations teams can submit payments via batch file processing. For smaller volumes or one-off transactions, payments can be entered manually through the portal. This flexibility means you can connect ACH into virtually any existing workflow or system.