Support payroll, vendor payments, and authorized collections with clear timing, approval steps, and visibility that keeps money moving

ACH works best when timing and oversight are clear

ACH follows a set schedule, which makes release timing, having funds in place, and approval structure part of the setup. When aligned correctly, ACH helps credits and debits move predictably within daily operations.

Cash

ACH credits for payments going out

ACH credits support payroll, vendor payments, tax activity, and scheduled disbursements. Payments can be initiated through saved templates, entered as needed, or submitted through structured file workflows.

Archive

ACH debits for authorized collections

ACH debits allow organizations to collect authorized funds in, often for recurring payments or scheduled receivables. Clear authorization practices and correct entry structure help inbound activity remain consistent over time.

Calendar

Same Day ACH for tighter timing windows

Same Day ACH supports eligible transactions posting sooner when timing becomes compressed. It is designed to work within defined review, approval, and funding practices.

Controls, reporting, and file flexibility

ACH activity can be created through templates, entered manually, or uploaded using supported formats such as NACHA or CSV. Defined user roles, approval steps, and reporting visibility help reinforce internal accountability and review expectations.

ACH runs on submission timing

Standard next-day ACH files submitted by 5:00 p.m. EST post the following business day. Same Day files submitted by 2:30 p.m. EST may post that day, subject to eligibility and review expectations. Aligning timing with internal approvals helps activity move without last-minute surprises.

Align ACH to how payments move today

ACH is most effective when it reflects how your organization already operates — including who initiates payments, who approves release, and how activity is monitored over time.

01
Review payment and collection workflows

We begin by understanding payroll cycles, vendor activity, and receivables needs so ACH aligns with your operational rhythm.

02
Define roles, access, and approval structure

User permissions and approval steps are aligned with internal accountability standards and oversight expectations.

03
Establish repeatable execution

Templates, workflows, and file upload formats are configured intentionally, so ACH activity remains consistent as volume increases.

Your questions, answered

ACH stands for Automated Clearing House. It is a U.S. network used to send and receive electronic payments in batches, including payroll and vendor activity.

An ACH payment is an electronic transfer of money from one bank or credit union account to another through the Automated Clearing House (ACH) network.

It’s a secure, behind-the-scenes way money moves — often without paper checks or cards. You might use ACH when you: 

Set up direct deposit for your paycheck 

Pay your mortgage or utilities automatically 

Schedule a one-time bill payment 

Transfer money between accounts 

ACH payments are typically processed in batches and can take one to three business days to complete, depending on the timing and type of transfer.

The NACHA Operating Rules & Guidelines govern how ACH payments are processed across the network. Each transaction must include a Standard Entry Class (SEC) code, which reflects the authorization method and transaction type used. 
 
NACHA Rules: https://www.nacha.org/rules  
SEC Code Reference: https://achdevguide.nacha.org/ach-file-details