Accelerate Your Payments with Same Day ACH

Shorten the standard ACH transfer timeline of 4-5 banking days by using Same Day ACH functionality to make funds available within the same business day.

The Benefits of Automated ACH

Collecting and disbursing payments is a critical piece of a business’s payment operations. From mid-sized businesses to large corporations, every business can benefit from streamlined payment processing technology.

Same Day ACH transfers are a highly adopted transfer speed among businesses using ACH for payments. Whether your business is looking to expedite payroll, provide faster crediting to prevent late bill payments or improve the speed of payments between businesses, implementing Same Day ACH functionality makes funds available faster.

Benefits Overview

• Faster Payments: Shorten the ACH processing window and give users quicker access to their funds—as fast as the same day.
• Programmable Payments: Boost the timing in which funds are delivered to a user’s bank account through automated, expedited processing times.
• Lower Costs: Enjoy the benefits of faster funds transfer while avoiding the costs that come with legacy technologies, credit cards and manual processes.

Use Cases

FinTech Platform Uses Same Day ACH to Transfer Tips for Stylists and Shop Owners

• This tipping platform’s card transactions were cutting into profits for stylists and shop owners.
• They partnered with Dwolla to lower transaction costs with reliable processing times using Same Day ACH.
• Result: The tipping platform saw an 86% increase in transaction volume after implementing Same Day ACH.

Transportation Company Automates its Payment Operations

• Before Dwolla, this transportation company’s payment processes were completed manually. They just needed a smart API solution to help improve their processes.
• Result: By implementing automated ACH, they decreased their manual workload by 98%.

Real Estate Platform Uses ACH for Quick and Reliable Payments

• Real estate companies use this platform to collect earnest money deposits and commissions electronically.
• After adding Same Day ACH transactions, Result: 212% growth in new client contracts, 376% growth in payment transactions and 483% growth in the dollar amount transferred.

How Same Day ACH Works

Same Day ACH allows you to move money electronically within the same business day (excluding weekends and holidays). The ACH network typically processes batches of transactions once or twice a day. Same Day ACH introduces additional processing windows throughout the day, allowing funds to be received by the destination bank on the same business day if deadlines are met.

• Learn more about transfer timelines in our developer documentation.

Automate your payments in as little as ten days.

Dwolla's full-service approach replaces legacy payments technology with a single solution, improving security, data visibility and the customer experience.

Key Benefits

Same-Day Settlement

Payments initiated before the cutoff window settle the same business day. Faster cash flow for your recipients without the per-transaction cost of real-time.

Lower Cost Than Real-Time

Same Day ACH offers faster settlement at a fraction of the cost of RTP or FedNow.

One API for All ACH Speeds

Standard ACH and Same Day ACH use the same API endpoints. Switch between speeds per transaction without changing your integration.

Full Status Visibility

Track Same Day ACH payments through every stage: initiated, pending, completed, or returned. The same webhook and status model as all Dwolla rails.

From integration to production

1. Choose your speed per payment: Specify Same Day ACH in your API call for time-sensitive payments.
2. Track through settlement: Receive real-time status updates via webhooks as your Same Day ACH payment moves through the network.
3. Handle exceptions consistently: Returns and exceptions follow the same standardized process across all ACH speeds.