Same Day ACH

Same Day ACH Processing

A perfect choice for ALL businesses.

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Check Processing

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Accounting Solutions

  • Pro
  • Premier
  • POS
  • Hosted Online

"Integrated payment solutions can save a typical small business owner more than 180 hours each year"

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Credit Card Processing

Same-Day ACH

Originating financial institutions (ODFIs) will be able to submit files of same-day ACH payments through two new clearing windows provided by the FedACH Operators:


  • Effective September 20, 2019 If an RDFI receives ACH credits from an ODFI in the first Same Day ACH window (by noon ET), the money has to be made available by 1:30 p.m. of the RDFI’s local time. And under the existing rule—which isn’t changing—if the ACH credit is received in the second same day window (by 4 p.m. ET), the funds must be made available by 5 p.m. RDFI local time.

Virtually all types of ACH payments, including both credits and debits, will be eligible for same-day processing. Only international transactions (IATs) and high-value transactions above $25,000 will not be eligible. (The per transaction limit is increasing to $100,000 in March 2020) Eligible transactions account for approximately 99 percent of current ACH Network volume.

What is ACH?

Automated Clearing House (ACH) is an electronic digital network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. Debit transfers also include new applications such as the point-of-purchase (POP) check conversion (ARC) and more, (see ACH transaction types) NACHA. Both the government and the commercial sectors use ACH payments. Businesses increasingly use ACH online to have customers pay, rather than via credit or debit cards. ACH is a computer-based clearing and settlement facility established to process the exchange of electronic transactions between participating depository institutions. Account-to-account (A2A) transfers that utilize a system connected to every transaction participant through all U.S.-based financial institutions. Funds are available for use by the receiver same-day. Most ACH transactions are "ACH Credit" or "ACH Debit."

What we do, we believe, is the only payment processing gateway providing "Same-Day Deposits" for ACH, Electronic Check, Credit Card, Debit Card and Paper Check conversion/payment solutions all with one convenient login with the additional benefit of accounting software integrations! Same Day ACH Merchant Services is one of the fastest-growing privately held electronic funds transfer processors in the United States. SDA customers benefit from a comprehensive suite of payments products and services. Our customers receive faster availability of funds on deposited items and instant notification of items presented for deposit – all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology, SDA provides tools to help organizations of all sizes reduce transaction costs, mitigate risk and increase efficiencies. Our system ensures proper Authentication, Authorization, Verification, Settlement, Notifications and Postings.

Value through Innovation

Your Choice ~ Integrate your software system with us (e.g. Real Estate / eCommerce / Accounting / Billing / CRM / Invoicing or, send us your API and we'll integrate with YOU! Since inception, SDA has focused on providing maximum value to our customers by expanding the technological capabilities of core payment infrastructures. Through these developments, we have been able to help our clients reduce their operating costs, increase cash flow and maximize their resources. As the payment industry evolves, SDA is committed to providing leadership and solutions that leverage emerging technologies. Through these innovations, we fulfill our company’s primary objective: to provide our clients with the services and tools they need to succeed.

Same Day ACH Advantages

100% Secure Payment Processing
Form 1099 Generation
Online "Credit-Push" Payment Solutions for "Pay-0uts" (A/P)
Eliminate Paper Checks
Eliminate customer service calls
Payment Processing Method Selection
Eliminate waiting for checks to "clear"
Payment Reconciliation
Reduce Accounting Time and Expenses

Same Day ACH Merchant Services

hand shake...continues to meet the challenge of our clients by offering cost effective ACH and e-check payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of digital funds between companies and/or consumer accounts for collection and payments.

Same-Day ACH Payment Processing

  • Good Funds Financial Institutions

    Our System works with all banks!

    Online integrated Origination, Sending, Receiving and Recordation of all ACH Transfers. All participants receive real-time electronic notifications.

    Keep your current Banking Relationships!

    Same Day ACH's inter-bank digital payment transfer system works with all Banks and Credit Unions that are participants in the US Federal Reserve System.

    Use our online Payment Gateway interface or integrate your in-house system with our API.

    • Automate
      Accounts Payable
    • Automate
      Accounts Receivable
    • Apply
      Payments through
    • ACH Billing
      Accounts Payable

Our Advantages

Lowest Rates
  Low Rates and Fast Funding
We offer the absolute Lowest Rates Rate Quote and faster funding than other providers
Our Promises to YOU
  Call us for more promises!
  • Bank-level encryption and security
  • Unlimited technical support
  • Unlimited transactions
  • Money-back guarantee
  • Automatic back-ups
  • Synchronization between all devices
  • Free and automatic software updates
  • No contract; cancel anytime
  Works with QuickBooks® Versions above 2007
Use your QuickBooks® Online and desktop versions: Pro, Premier, and Enterprise Editions as early as 2007. Not compatible with the online edition
Ease of Use
  Payment Option Variety
Make it easier for customers to do business with you by accepting a variety of payment options
Accept All Payment types
  Accept Credit Cards, ACH (eCheck) & Paper Check Transactions
Most providers only support credit card transactions. Expand your ability to collect payments
  A Single System
Simplify your financial operations with a single system and single set of records for all payment processing, whether web order, phone order, cash sale or invoice payment
Cash Flow
  Shorten time to Payment
Improve cash flow and shorten time to payment with cost-effective Same-day deposit of funds
PCI Compliant
  Customer Vault
Use our powerful Customer Vault, with ACH payment Tokenization, to store billing information in a PCI Compliant system and issue subsequent transactions against that billing information

"Faster Payments" News

Stop Going to the Post Office to Mail Checks!

Funds Automatically Deposited in your Existing Bank Account.

We offer a wide variety of payment processing solutions to fit any size business. By telling us (give us a call toll-free or send us an email) the type of payment service you’re looking for, you’ll help us guide you to the solution that best matches your business needs today as well as your future needs.

Same Day ACH Merchant Services

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Process with the Professionals

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Each day, thousands of businesses around the country are turning their transactions into profit with payment solutions like ours.

Same Day ACH Merchant Services® gives your company choices in the method of payment that you can accept from your customers.
We support ACH formats, including ARC (Accounts Receivable Check Conversion), BOC (Back Office Conversion), PPD, CCD, TEL, RCK, POP, WEB, Multiple Batch and Import options. See ACH format definitions. Our software is designed for simplicity and ease-of-use.

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Give Us A Call

(866) 927-7180

Enrolling in the SameDayACH system takes only a few minutes. You can eliminate "paper" checks from your system and start sending electronic payments in just a few simple steps.

Stop Going to Your Bank to Deposit Checks!