Various factors determine eligibility for same-day ACH and instant payments. Each payment is different and is considered individually.
Melio is always working to protect you from fraud. As a result, not every payment is eligible for fast delivery.
Eligibility requirements
The following requirements are general guidelines only. For example, as a Melio user, you may be eligible for a same-day ACH or instant payment when:
- You’ve processed several successful ACH payments in the past
- You don’t have any failed payments due to fraud or insufficient funds
- No other risk indicators exist
- Payment limits are not exceeded*
If your payment is eligible, the option to select same-day ACH or instant payment will be available when you schedule the payment’s debit date. Follow these steps to expedite your payment with same-day ACH transfer or instant payment.
*Payment limits vary based on transaction history