Why ACH takes too long to process?

Why ACH takes too long to process?

  1. ACH transactions are not processed in real-time.
  2. The bank will not process any request made after the cutoff time until the next working day. Cut off time - 4: 45 pm ET (1:45 PT) 
  3. Transactions processed after the cutoff time on Friday will not be processed until Monday.
For new account,
  1. After the ACH request, it requires 3 days for Account verification.
  2. 5 to 6 days processing time for first payment.
  3. After, standard processing time.
How to reduce Processing time?
  1.  Refilling your ACH wallet beforehand will help you reduce processing time.  
  2. It saves your time. No need to wait days everytime you wants to make payments.
ex: If you want to make a $100 payment every week in a month, you can refill $500 into your wallet early. This will help you send Same Day ACH every week. 
Always make sure you process payments before cutoff time.

How to make it faster
1. The balance in your Wallet can be funded by wire or ACH or kept in your cloud bank account and paid from there. 
2. As long as you have settle fund in your wallet it may go same day

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