Same Day ACH Processing
A perfect choice for ALL businesses.
Same Day Deposits to you
Low Fees
We work with All Banks
Recurring ACH Debits & Credits
One-Time ACH Debits & Credits
eMail Invoicing
Same-Day Check by Phone ACH
Check Processing
Online Reporting with Images
Stop Going to the Bank
Next Day Funding
Check 21
Electronic Check
View complete listing of Check Readers & Scanners
Accounting Solutions
QuickBooks
- Pro
- Premier
- POS
- Hosted Online
"Integrated payment solutions can save a typical small business owner more than 180 hours each year"
Credit Card Processing
Retail Face-to-Face
Mail Order Telephone Order
eCommerce Internet Sales
eMail Invoicing
Speak with your Agent how to board your Card MID with SameDayACH
Same-Day ACH
Originating financial institutions (ODFIs) will be able to submit files of same-day ACH payments through two new clearing windows provided by the FedACH Operators:
- Effective March 19, 2021, a third final daily batch, if an RDFI receives ACH credits from an ODFI the operating hours of Same Day ACH are opportunity to clear and settle Same Day ACH payments. Now, Same Day ACH payments can be submitted by financial institutions to their ACH Operator until 4:45 p.m. eastern time, with settlement of funds occurring at 6 p.m. eastern time. The ACH Network settles payments four times each business day.
- Effective March 18, 2022
- Same-Day ACH $1 Million per Transaction Limit
Virtually all types of ACH payments, including both credits and debits, will be eligible for same-day processing. Only international transactions (IATs) and high-value transactions above $100,000 will not be eligible. Eligible transactions account for approximately 99 percent of current ACH Network volume.
What is ACH?
Automated Clearing House (ACH) is an electronic digital network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. Debit transfers also include new applications such as the point-of-purchase (POP) check conversion (ARC) and more, (see ACH transaction types) NACHA. Both the government and the commercial sectors use ACH payments. Businesses increasingly use ACH online to have customers pay, rather than via credit or debit cards. ACH is a computer-based clearing and settlement facility established to process the exchange of electronic transactions between participating depository institutions. Account-to-account (A2A) transfers that utilize a system connected to every transaction participant through all U.S.-based financial institutions. Funds are available for use by the receiver same-day. Most ACH transactions are "ACH Credit" or "ACH Debit."
What we do
SameDayACH.com, we believe, is the only payment processing gateway providing "Same-Day Deposits" for ACH, Electronic Check, Credit Card, Debit Card and Paper Check conversion/payment solutions all with one convenient login with the additional benefit of accounting software integrations! Same Day ACH Merchant Services is one of the fastest-growing privately held electronic funds transfer processors in the United States. SDA customers benefit from a comprehensive suite of payments products and services. Our customers receive faster availability of funds on deposited items and instant notification of items presented for deposit – all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology, SDA provides tools to help organizations of all sizes reduce transaction costs, mitigate risk and increase efficiencies. Our system ensures proper Authentication, Authorization, Verification, Settlement, Notifications and Postings.
Value through Innovation
Your Choice ~ Integrate your software system with us (e.g. Real Estate / eCommerce / Accounting / Billing / CRM / Invoicing or, send us your API and we'll integrate with YOU! Since inception, SDA has focused on providing maximum value to our customers by expanding the technological capabilities of core payment infrastructures. Through these developments, we have been able to help our clients reduce their operating costs, increase cash flow and maximize their resources. As the payment industry evolves, SDA is committed to providing leadership and solutions that leverage emerging technologies. Through these innovations, we fulfill our company’s primary objective: to provide our clients with the services and tools they need to succeed.
Same Day ACH Advantages
100% Secure Payment Processing
Form 1099 Generation
Online "Credit-Push" Payment Solutions for "Pay-0uts" (A/P)
Eliminate Paper Checks
Eliminate customer service calls
Payment Processing Method Selection
Eliminate waiting for checks to "clear"
Payment Reconciliation
Reduce Accounting Time and Expenses
Same Day ACH Merchant Services
...continues to meet the challenge of our clients by offering cost effective ACH and e-check payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of digital funds between companies and/or consumer accounts for collection and payments.
Same-Day ACH Payment Processing
Our System works with all banks! Online integrated Origination, Sending, Receiving and Recordation of all ACH Transfers. All participants receive real-time electronic notifications.
Keep your current Banking Relationships!
Same Day ACH's inter-bank digital payment transfer system works with all Banks and Credit Unions that are participants in the US Federal Reserve System.
Use our online Payment Gateway interface or integrate your in-house system with our API.
- Automate
Accounts Payable - Automate
Accounts Receivable - Apply
Payments through
QuickBooks® - ACH Billing
Accounts Payable
- Automate
Our Advantages
Lowest Rates | Low Rates and Fast Funding We offer the absolute Lowest Rates Rate Quote and faster funding than other providers | |
Our Promises to YOU | Call us for more promises!
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Integration | Works with QuickBooks® Versions above 2007 Use your QuickBooks® Online and desktop versions: Pro, Premier, and Enterprise Editions as early as 2007. Not compatible with the online edition | |
Ease of Use | Payment Option Variety Make it easier for customers to do business with you by accepting a variety of payment options | |
Accept All Payment types | Accept Credit Cards, ACH (eCheck) & Paper Check Transactions Most providers only support credit card transactions. Expand your ability to collect payments | |
Simplify | A Single System Simplify your financial operations with a single system and single set of records for all payment processing, whether web order, phone order, cash sale or invoice payment | |
Cash Flow | Shorten time to Payment Improve cash flow and shorten time to payment with cost-effective Same-day deposit of funds | |
PCI Compliant | Customer Vault Use our powerful Customer Vault, with ACH payment Tokenization, to store billing information in a PCI Compliant system and issue subsequent transactions against that billing information |
"Faster Payments" News
2019 Same-Day ACH NACHA Award Winner: Removing Paper Checks from Real Estate Transactions
February 20, 2019
- 2018 ACH Volume exceeds $51 Trillion
October 26 2018
- Same Day ACH Real Time Payments
September 2018
- Same-Day ACH Additional Funding Times
March 2018
- Same-Day ACH $100,000 Transaction Limits
January 2018
- Same-Day ACH Business Payments
January 2017
- 2016 Same-Day ACH Processing Volume
- No Increase in Fraud due to Same Day ACH
- ACH Volume Surpasses 25.6 Billion Transactions in 2016
- Same-Day ACH Debits
- Same-Day ACH API
September 2017
- Benefits of Same-Day ACH Debits
- Real-Time Payments vs. Same-Day ACH
October 2017
- NACHA ACH APIs
January 2016
- Blue Chip Banks Opt for R3 Over SWIFT
February 2016
- Real Time Payment System in United States
- ACH Tokenization
March 2016
- Secure Exchange Launches Real-Time P2P Payments with Bank of America, U.S. Bank
June 2016
- SWIFT Same Day Cross-Border ACH
August 2016
- NACHA Essentials Guide Implementation of Same Day ACH
- ACH Payments Directory
- ISO 20022 XML ACH Format
- ISO 20022 NACHA Resource Center
September 2016
- Same-Day ACH STARTS TODAY
- Avidia Bank offers Same-Day ACH
- linked2pay offers Same-Day ACH
October 2016
- U.S. Banks Unite to Form Industry Leading Secure Real-Time Payments Network
November 2016
- Same-Day ACH Meets Expectations
December 2016
- Real-Time ACH for Retail Payments
January 2015
- Federal Reserve System - Strategies Improving US Payment System
March 2015
- The Road to Faster Payments: A Banker's Guide
May 2015
- NACHA Membership Approves Same-Day ACH
- MasterCard launches "MasterCard Send"
- Federal Reserve Board requests public comment on enhancements to same-day ACH service
- Real-time Good Funds Network
June 2015
clearXchange Debuts Real-Time Payments
July 2015
- Consumer Financial Protection Bureau (CFPB) advocates for and supports Same Day ACH
- Federal Reserve supports Same Day ACH
- Faster Payments Strategy Leader
September 2015
- Fed Approves Enhancements to Same-Day ACH Service
- Federal Reserve Support of the NACHA Rule Ensures Same Day ACH Ubiquity
October 2015
- U.S. Banks Unite to Form Industry Leading Secure Real-Time Payments Network
February 2014
- Federal Reserve System - Availability of Funds and Collection of Checks: Proposed Rule
Availability of Funds and Collection of Checks Proposed Rule
Bank Of International Settlements
Difference Between Remotely Created Checks and ACH
European Central Bank Payment Finality
Federal Reserve Remotely Created Checks
Federal Trade Commission - Telemarketing Sale Rule - Final Rule
Payment Finality And Discharge In Funds Transfers
Remotely Created Checks
ACH Standard Entry Class Codes
Strategies Improving US Payment System
Trust Funds
- Fed Approves Enhancements to Same-Day ACH Service
- CFPB endorses Same-Day ACH Service
- Same-Day ACH Processing Service
- Same-Day ACH RDC Remote Deposit Capture
Federal Reserve System - Availability of Funds and Collection of Checks: Proposed Rule
Federal Reserve - Faster Payments Initiative
Federal Reserve Banks
NACHA - National Automated Clearing House Association
Secure Exchange - Good Funds Network
Stop Going to the Post Office to Mail Checks!
Funds Automatically Deposited in your Existing Bank Account.
We offer a wide variety of payment processing solutions to fit any size business. By telling us (give us a call toll-free or send us an email) the type of payment service you’re looking for, you’ll help us guide you to the solution that best matches your business needs today as well as your future needs.
Same Day ACH Merchant Services
Feel free to contact us
Process with the Professionals
- Automate Accounts Receivable Collection with Same Day Settlement & Deposit
- Automate Accounts Payable Payments with Same Day Settlement & Deposit
- One-Time & Recurring Debits & Credits with Same Day Settlement & Deposit
Each day, thousands of businesses around the country are turning their transactions into profit with payment solutions like ours.
Same Day ACH Merchant Services® gives your company choices in the method of payment that you can accept from your customers.
We support ACH formats, including ARC (Accounts Receivable Check Conversion), BOC (Back Office Conversion), PPD, CCD, TEL, RCK, POP, WEB, Multiple Batch and Import options. See ACH format definitions. Our software is designed for simplicity and ease-of-use.
