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# 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

> **Warning**
>
> 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:

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

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

```json
{
  "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

|                           | 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 |