ACH processing windows

Transfers that are submitted via the /transfer/create endpoint will be submitted in the next processing window. For example, if a same-day transfer is submitted on a Tuesday at 12:15 p.m. PST, it will be processed in the subsequent 1:00 p.m. PST window. On the other hand, if a same-day transfer is submitted on a Wednesday at 1:30 p.m PST, it will be processed in the next available window, which would be the next day (Thursday) at 1:00 p.m. PST.

ACH processing windows are active only on banking days. Transfers will not be submitted to the Nacha network on weekends or bank holidays. Keep this in mind when creating transfers over weekends or on bank holidays. To mitigate, wait until the next banking day and then authorize and create the transfer.

In order to ensure a transfer lands in your desired window, it’s recommended that you submit it 30 minutes prior to the deadline.