We offer the option to enable Same Day ACH transfers at the account level within your application. With this feature, you can apply Same Day ACH to ACH debits, credits, or both. Once approved by Paynote, you’ll be able to initiate Same Day debits and/or credits seamlessly.

Same Day ACH accelerates the transfer process, debiting your customer's bank account within the export window. To safeguard against returns, there is a 2-day processing window, and funds settle on the second business day after the transaction date.

Key Points to Note for Same Day ACH Transfers:

• Available for both debit and credit transfers.
• Export deadline (multiple throughout the day):
  • 10 am EST
  • 2 pm EST
  • 4pm EST
    • Note: These may vary depending on the financial institution.
• Transfer processing time:
  • Debit: 2 business days
  • Credit: 0-1 business day
• Processed on business days (processing unavailable on weekends and banking holidays)

Same Day ACH Debit (Payment In)

A Same Day ACH debit from the sender's bank to the Paynote Balance processes in 2 business days.

SAME DAY ACH DEBIT TRANSFER SCHEDULE

All times in Eastern Time (EST) (*approximate deadlines)

*Paynote cannot guarantee an exact deadline for transmission of ACH files. Please be mindful that these are target cut-off times for transfer processing.

Same Day ACH Credit (Payment Out)

A Same Day ACH credit allows for expedited processing of funds from the Paynote Balance to the recipient's bank account within 0-1 business days.

SAME DAY ACH CREDIT TRANSFER SCHEDULE

All times in Eastern Time (EST) (*approximate deadlines)

*Paynote cannot guarantee an exact deadline for transmission of ACH files. Please be mindful that these are target cut-off and process times for transfers.