Send a same-day ACH from your Relay Account in under two minutes on web or mobile, as long as you submit before 4:15pm ET on a business day.
What you need before you start
An active Relay checking account with enough available balance to cover the payment and the same-day ACH fee
The payee added to your Relay Account, with routing number and account number confirmed
Your Relay subscription plan noted, since same-day ACH pricing varies by plan
The payment submitted before 4:15pm ET on a business day for same-day arrival
SMS verification available on your mobile phone, since Relay may request a code to authorize the payment
How do I send a same-day ACH on the Relay web app?
Sign in to your Relay Account on the web and open the Payments tab.
Select the Payments tab
Click Send an ACH
Select Same-Day ACH
In Recipient (Vendor), pick an existing payee or click + to add a new one
Select the From Account
Enter the Amount
Click Next Step
Confirm the payment method and payee details
Select the Scheduled Date
Choose whether the payment is recurring
Enter the Memo
Click Next Step
Confirm the payment details and select Pay
How do I send a same-day ACH from the Relay mobile app?
Open the Relay mobile app, sign in, and tap the Payments tab.
Tap the Payments tab
Press Send Payment
Select a recipient from the payee list
Enter the payment Amount
Select the Source Account
Choose Same-Day ACH as the payment method
Add a Memo
Press Pay
What is the same-day ACH cutoff on Relay?
Same-day ACH payments submitted before 4:15pm ET on a business day arrive the same day. Payments submitted after 4:15pm ET, on weekends, or on federal holidays arrive by the end of the next business day.
How much does a same-day ACH cost on Relay?
Same-day ACH fees depend on your Relay subscription plan:
Starter Plan: $5 per same-day ACH
Grow Plan: $3 per same-day ACH
Scale Plan: 10 same-day ACH transfers included each month, then $1 per transfer
Standard next-business-day ACH transfers are included at no per-transaction charge on every plan.
Is there a limit on how many same-day ACH payments I can send?
There is no monthly cap on the number of same-day ACH payments you can send. Each Relay Account has daily and monthly dollar limits on ACH transfers, which you can view inside the app.
Can I send a same-day ACH to a bank outside the United States?
No. ACH runs on the US banking network and only reaches accounts at US banks. To pay a recipient outside the US, send an international wire instead.
Can I upload a bill and pay it as a same-day ACH?
Yes. From the Send an ACH window, upload the bill and Relay auto-extracts the vendor name, invoice number, line items, amount, and dates. Review the extracted fields, add accounting categorization, and complete the payment as a same-day ACH.
Common issues
Payment scheduled for the next business day instead of today. You submitted after the 4:15pm ET cutoff, on a weekend, or on a federal holiday. Reschedule before 4:15pm ET on the next business day.
Payment blocked at approval. The transfer may exceed your daily or monthly ACH limit. Check your limits in the app and request a transaction limit increase if you need to move more.
SMS verification code not arriving. Confirm the mobile phone number on file is correct and troubleshoot SMS delivery before retrying the payment.
Payee details rejected. Re-check the routing and account numbers against the payee's most recent invoice or a bank verification letter.
Same-Day ACH option not visible. Confirm you are paying a US bank account. International recipients require a wire, not an ACH.
Related articles
Talk to our Customer Experience team
If this article did not fully answer your question, our Customer Experience team is here to help.