Processing Times for ACH Payments in the USA

In this article, we have outlined the expected processing times for ACH Payments in the USA.

Below is a breakdown of the transfer methods, clearing systems, supported currencies, payment schemes, processing times, and transaction limits:

Transfer method Local Local Local Local Local SWIFT
Local clearing system ACH
(The default LOCAL payout option when the local clearing system is not specified)
NEXT DAY ACH FEDNOW FEDWIRE PAPER CHECK  
Supported currency(ies) USD USD USD USD USD AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, THB, TRY, USD, ZAR
Payment scheme Same Day / Next Day ACH Next Day ACH FedNow Fedwire Paper Checks  
Flight time (business days) 0-2 1-2 0-1 0-1 7-10 0-3
Maximum transaction limit 15,000,000 USD 15,000,000 USD 500,000 USD No limit No limit No limit

See all available timelines and specified limitations.