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. Learn more about our options.

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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.

Direct connection to the Fed

Instant transaction data via API

Process credit & debit transactions


After hours processing

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" }
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.

    Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.

    Eric Foust

    VP Banking Partnerships Trustly


How does Cross River process standard ACH vs. same-day ACH or later settlement?
Same-day ACH is processed in 2-3 hours while a standard ACH payment may take 1 to 3 business days before posting to the receiver's account. Activating a later settlement window option with Cross River enables users to extend the ACH processing window to 11:59pm EST.

When are NACHA's same-day ACH settlement windows?
NACHA’s settlement windows are a morning submission deadline at 10:30 AM ET, with settlement occurring at 1:00 PM, an afternoon submission deadline at 2:45 PM ET, with settlement occurring at 5:00 PM ET, and an evening submission deadline at 4:45 PM ET, with settlement at 6:00pm ET. Cross River’s cutoff times are 10 AM ET for the morning submission, 1 PM ET for the afternoon submission and 4 PM ET for the evening submission.

Why would an ACH payment get returned? 
There are various reasons why an ACH payment might be returned by an RDFI (Receiving Depository Financial Institution). Some common explanations include insufficient funds (R01) and invalid account numbers (R04). Please reach out to your Partnership Manager to understand your specific case or take a look at your return code.

What is an NOC? 
NOC stands for Notification of Change and is an indication of corrected information related to a previous outbound ACH payment.  

How long does an IAT (International ACH Transaction) take? 
Cross River can support with the domestic routing for IATs at this time. The IAT should settle on the settlement date unless the RDFI is holding the transactions for OFAC review purposes. 

What SEC code should be used? 
SEC codes are determined during the onboarding process and indicated within your executed agreement with Cross River. Please contact your Partnership Manager for additional information regarding permitted SEC codes. 

If I originate an ACH payment and the receiver's account is within COS, will COS automatically convert my request into an internal transfer via XPay? 
No, COS will treat this as an ACH payment which will be forwarded to the Fed. If you would like to initiate an XPay transfer via COS APIs, please contact your Partnership Manager.

Are OFAC scans performed on ACH payments? 
COS scans all inbound and outbound IAT (International ACH) payments. Any OFAC holds resulting from the scanning process must be reviewed by Cross River's BSA/AML team. 

Does COS support file-based ACH origination? 
While COS can create a batch from either a standard NACHA file or JSON file we encourage the use of the APIs  Why use old file-based processes when you can move your payments technology forward? Files can be used in conjunction with APIs and webhooks.  JSON/HTTPS is more reliable than FTP.

[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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