Media type · USD
ACH transfer
A low-cost batch payment system used in the United States.
Key facts
| Currency | USD |
|---|---|
| Area | United States |
| Speed | 1–3 business days |
| Cost | Low |
| Use | Payroll, bills, recurring |
Domestic rails, cross-border problems
ACH is a domestic system. International transfers may use it for the final leg, but the cross-border part is handled separately and carries its own cost.
Frequently asked questions
Can ACH be reversed?
There are return windows for some error types, which is why some businesses prefer other rails for large payments.
Is same-day ACH available?
In some cases, with limits and a higher fee.