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Same Day ACH #

Dwolla enables your application to take advantage of Same Day ACH credit transfers on a per transfer request basis. A clearing request parameter is supplied in the request to the Dwolla API which tells Dwolla to expedite clearing for the source or the destination account involved in the transaction. Same Day ACH is a simple and powerful feature for platforms looking to differentiate themselves, streamline cash flows, and improve their end-user experiences.

There are two types of Same Day ACH transfers:

  • Same Day Debit - Pulling funds from the source bank account into the Dwolla Network.
  • Same Day Credit - Pushing funds into a destination bank account from the Dwolla Network.

A few key differences between Standard ACH and Same Day ACH are:

  • Funds are available the same day, not days later.
  • New payment settlement windows are available.
  • A transaction limit of $100,000 is enforced by NACHA.
  • It is more expensive than standard ACH.

Same Day ACH processing times and settlement

Your application can initiate a debit or credit transfer with Same Day clearing prior to 12 PM Central Time and funds will be available in the destination account by the end of the day. The table below includes times we have observed for the availability of funds. All times are in Central Time. For more information on the timing of transactions, reference our resource article on processing times.

Transfer cutoff timeEarliest funds may be availableLatest funds are available*12:00 PM4:00 PM5:00 PM

*This time is the latest observed clearing to customer accounts, but the Fed only requires funds to be available by the end of the day.

Creating a Customer and Attaching a Bank Account #

Before you can initiate a debit or credit transfer using same-day clearing, you must first have a Customer created and a funding source attached for the user. If it’s a debit transfer, then the funding source must be verified before you can pull funds. For a credit transfer, the funding source can be unverified or verified.

Once your customer has connected a bank account and/or verified it, you'll then want to store the funding source id (e.g. https://api-sandbox.dwolla.com/funding-sources/ecf993e2-fa22-4cea-8022-c7861200288f) which will be used when specifying the bank account as the either the source or destination href in the request to the Transfers API.

Initiating a Same Day ACH Transfer #

In order to initiate a transfer with Same Day ACH processing, an optional clearing JSON object must be included in the transfer request. The clearing object contains source and destination keys with respective values of standard or next-available and next-available.

Specifying the destination clearing as next-available will allow requests to default to the earliest available processing window based on the time submitted. In addition, transfers greater than $100,000 will default to a processing window permitting larger amounts.

Initiating a Same Day Debit Transfer

The following example assumes the sending party has a verified funding source. We're receiving a pay-in from a Customer’s funding source to our Dwolla account balance, which represents the Dwolla Network.

JavaScript
var requestBody = {
  _links: {
    source: {
      href:
        "https://api-sandbox.dwolla.com/funding-sources/b268f6b9-db3b-4ecc-83a2-8823a53ec8b7",
    },
    destination: {
      href:
        "https://api-sandbox.dwolla.com/funding-sources/ecf993e2-fa22-4cea-8022-c7861200288f",
    },
  },
  amount: {
    currency: "USD",
    value: "10000.00",
  },
  clearing: {
    source: "next-available",
  },
};

appToken
  .post("transfers", requestBody)
  .then((res) => res.headers.get("location")); // => 'https://api.dwolla.com/transfers/636de847-7d02-e711-80ee-0aa34a9b2388'

Initiating a Same Day Credit Transfer

The following example assumes the sending party has a verified account and a verified funding source. We're sending a payout from our Dwolla account balance to our Customer’s funding source which represents the receiving bank account.

JavaScript
var requestBody = {
  _links: {
    source: {
      href:
        "https://api-sandbox.dwolla.com/funding-sources/b268f6b9-db3b-4ecc-83a2-8823a53ec8b7",
    },
    destination: {
      href:
        "https://api-sandbox.dwolla.com/funding-sources/ecf993e2-fa22-4cea-8022-c7861200288f",
    },
  },
  amount: {
    currency: "USD",
    value: "10000.00",
  },
  clearing: {
    destination: "next-available",
  },
};

appToken
  .post("transfers", requestBody)
  .then((res) => res.headers.get("location")); // => 'https://api.dwolla.com/transfers/636de847-7d02-e711-80ee-0aa34a9b2388'

Retrieving a Transfer With Same Day Clearing #

When retrieving the transfer from the API, the response should contain the clearing object with a source or destination key and a value of either same-day or next-day depending on if the transfer was initiated prior to the last same day processing window and the transfer amount is less than $100,000 (as mentioned above).

Retrieving a Same Day Debit Transfer

JavaScript
var transferUrl =
  "https://api-sandbox.dwolla.com/transfers/636de847-7d02-e711-80ee-0aa34a9b2388";

appToken.get(transferUrl).then((res) => res.body.status); // => 'processed'

Retrieving a Same Day Credit Transfer

JavaScript
var transferUrl =
  "https://api-sandbox.dwolla.com/transfers/636de847-7d02-e711-80ee-0aa34a9b2388";

appToken.get(transferUrl).then((res) => res.body.status); // => 'processed'

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Financial institutions play an important role in our network.

Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to our financial institution partners.

Dwolla is an agent of Veridian Credit Union. All ACH and Wire transfers are performed by Veridian Credit Union. Your Dwolla Balance, if any, is held in one or more pooled holding accounts held by Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund.

Sponsorship and Settlement of Push-to-Debit payment services provided by MetaBank®, N.A.
Push-to-Debit payments are typically available within 30 minutes.

Real-Time Payments are performed by Cross River Bank, which holds funds on behalf of the Receiver of such transactions in one or more pooled custodial accounts. These funds are not subject to FDIC pass-through deposit insurance.