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:

1 {
2   "speed": "same_day",
3   "amount": { "cents": 500000 },
4   "account": "<bank-account-token>"
5 }

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

1 {
2   "signature": "...",
3   "effectiveSpeed": "standard"
4 }

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

	Same-Day ACH	Standard ACH
Speed	Within 24 business hours	2-3 business days
Per-Transaction Limit	$1,000,000 (NACHA)	No NACHA limit
Coverage	100% of US banks	100% of US banks
Best For	Time-sensitive payouts under $1M	Cost-sensitive or large payouts

1	{
2	"speed": "same_day",
3	"amount": { "cents": 500000 },
4	"account": "<bank-account-token>"
5	}