Same-Day ACH

Traditional money movement, faster

Move funds efficiently across the Federal Reserve's Automated Clearing House (ACH) network with Cross River’s Operating System (COS), a proprietary API-driven bank core.

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Benefits

Same-Day ACH with Cross River

Key features

Cross River eliminates transaction inefficiencies with APIs and provides fintechs with the infrastructure needed to settle funds fast.

Explore API Documentation
POST /ach/v1/payments
{
  "accountNumber": "2714035231",
  "receiver": {
    "routingNumber": "021000021",
    "accountNumber": "456789000",
    "accountType": "Checking",
    "name": "Bob Smith",
    "identification": "XYZ123",
  },
  "secCode": "WEB",
  "description": "Payment",
  "transactionType": "Push",
  "amount": 10000,
  "serviceType": "SameDay",
  "clientIdentifier": "21fe77da-e2f8-4475-9397-81a293d63b8x"
}

Direct connection to the Fed

Instant transaction data via API

Process credit & debit transactions

Webhooks

After hours processing

Uses for ACH

Business-to-business payments

Peer-to-peer payments

Wallet funding and disbursements

Direct deposit

Bill payment

Microdeposit programs

“Equipping our merchants with same-day ACH is instrumental in improving their cash flow with quicker access to funds. Consumers also expect fast payouts — same-day ACH ensures our merchants provide their customers with fast, reliable, & secure transactions.”
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Eric Foust
VP Banking Partnerships
Trustly

Frequently Asked Questions

How does Cross River process standard ACH vs. same-day ACH or later settlement?

When are NACHA's same-day ACH settlement windows?

Why would an ACH payment get returned?

What is an NOC?

How long does an IAT (International ACH Transaction) take?

What SEC code should be used?

Are OFAC scans performed on ACH payments?

Does COS support file-based ACH origination?

[1] Acceptance/rejection is based on standard technical/business validations, regulatory requirements, and specified internal controls.

[2] Subject to the time of origination and the recipient bank's funds-availability policy.

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