ACH (Automated Clearing House)

Overview

ACH is the primary bank payment rail in the United States, governed by Nacha. It supports both debiting funds from a customer's US bank account (fund) and crediting funds to a customer's US bank account (withdraw). Transactions are denominated in USD. Standard ACH typically settles in 1–2 business days; Same-Day ACH is available for faster settlement when supported.

Use Cases

• Vendor and Supplier Payments — Send payments directly to a US vendor or supplier's bank account on a scheduled or on-demand basis.
• Customer Collections — Pull funds from a customer's US bank account for invoices, subscriptions, or outstanding balances.
• Payroll — Disburse employee pay to US bank accounts with support for standard and same-day settlement.
• Recurring Billing — Automate ongoing collections for subscription-based businesses with scheduled ACH debits.
• B2B Settlements — Settle large inter-company transactions more cost-effectively than wire or card rails.
• Same-Day Disbursements — Use Same-Day ACH to accelerate time-sensitive payouts within US business hours.