Same-Day ACH

Same-Day ACH Payouts

Same-Day ACH delivers funds to any US bank account within 24 business hours through the Automated Clearing House network.

How It Works

When a payout is initiated with speed = "same_day", Coinflow submits the transaction to the ACH network using same-day processing windows. Funds typically arrive within the same business day if submitted before the cutoff time, or by the next business day.

NACHA Per-Transaction Limit

Same-Day ACH is subject to NACHA’s $1,000,000 per-transaction limit. If a payout exceeds this amount, Coinflow automatically downgrades the transaction to Standard ACH (2-3 business days). The effective speed is returned in the API response so your integration can inform the user.

Individual providers and receiving banks may enforce lower limits.

Implementation

Pass speed = "same_day" when initiating a payout:

{
  "speed": "same_day",
  "amount": { "cents": 500000 },
  "account": "<bank-account-token>"
}

When amounts exceed the NACHA limit, the response includes the effective speed:

{
  "signature": "...",
  "effectiveSpeed": "standard"
}

Requirements

• User must be verified with US KYC
• User must have a linked US bank account
• Available to 100% of US depository accounts
• Transaction must be $1,000,000 or less for same-day processing

Settlement Time

Within 24 business hours (same business day if submitted before cutoff)

Comparison with Standard ACH