By using same-day ACH transfer, you can ensure your ACH payment gets to vendors faster. Same-day ACH transfer is delivered on the same day it's sent, instead of the regular 3 business days. To learn more about our payment delivery timelines, please see the following guide.
If the payment is eligible for same-day ACH transfer, you'll have the option to select it when scheduling your payment date. If you don't see this option, it's unavailable for this payment. Learn more about same-day ACH and instant ACH transfer eligibility requirements.
Expediting the payment with same-day ACH transfer
1- In your Pay dashboard, select +New Payment to create a new payment.
Alternatively, you can create a new bill by selecting the Create a bill button under the Bills tab.
In the Bill details page, enter the bill details. This includes the Vendor business name, Bill amount, Invoice number, Invoice date, Due date, and a Note to self. You can also add line items to your bill. By selecting Continue to pay, you will proceed to the Pay screen.
For step-by-step instructions on creating a new bill, please see the following guide.
2- On the Pay screen, enter all the necessary details until you reach the What your vendor receives section.
3- Select ACH transfer as the delivery method.
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For existing vendors:
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Use the dropdown menu to choose from saved delivery methods.
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To add a new method or edit an existing one, select Manage delivery methods.
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Select +Add another to add a new delivery method. Enter the additional delivery method in the vendor details.
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To edit an existing delivery method, select Edit. You can now edit the details for that delivery method
- Select Save when done.
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For new vendors:
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Select the Add delivery method box.
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If you haven't added them already, you will need to add ACH bank transfer details in the Delivery methods screen. Do this by selecting +Add details next to ACH Transfer.
- Next, follow the prompts to fill in the ACH routing number and account number. Select Save when done.
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If you don't have vendor delivery details, select the option to Ask vendor for their choice.
- Select Save and send request when done.
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If you send your vendor a request asking how they'd like to receive payment, you can still complete the payment immediately - no need to wait for their reply. However, scheduled payments will be automatically canceled if the vendor doesn't respond within 7 business days. You can cancel the delivery method request anytime by editing the vendor details and selecting Cancel request.
Selecting a delivery speed and finalizing the payment
4- Under Delivery date, select the Today option. This is the option to send same-day ACH.
Want to schedule a same-day ACH transfer for a future date?
For certain payments, you can do this using the custom date option. Select Custom date, then select the calendar icon and choose your preferred delivery date. Turn on the Defer debit toggle — this delays the debit from your account until the delivery date, so your funds stay in your account longer. An additional fee applies. Select Apply to confirm your selection. Now you can send a same-day ACH transfer for a future date.
5- Add a memo to your payment (optional). This will help the vendor understand the purpose of the payment. When delivered via ACH bank transfer, it will show if your vendor's bank enables memos.
6- Review all payment details carefully to ensure accuracy.
7- Select Confirm and pay to schedule your payment.
8- Your payment is now successfully scheduled! From the success screen, you can do the following:
- You can download or print your payment summary.
- Select Go to dashboard to return to your main account view.
That's it! You've successfully created and scheduled a vendor payment. You can find your new payment in the Payments tab. Your payment details are saved, and funds will be delivered according to your selected timeline and method.