---
title: Payment types
slug: concepts/payments/ach/payment-types
description: Cross River ACH supports Standard and Same Day payments, domestic push/pull, prenote account validation, and international transfers via a US intermediary, following Nacha rules.
docTags: 
createdAt: 2025-04-27T12:20:06.939Z
---

## Cross River ACH payment types

Cross River offers both Standard and Same Day ACH payments. You can send payments using our API either individually, or in [batched payments](docId\:A6PiIKl4qllwWNkFJ5tXq).

:::hint{type="warning"}
**IMPORTANT**
The payment information and data you send to Cross River must include a [Nacha SEC code](docId\:M8a5dbzFhH5TV1NytK9Aw) and conform to  [Nacha settlement rules](docId\:qQ3D8sBTuETGRtKaXTK1M).
:::

## Standard ACH

Use standard ACH payments for regular funds transfers such as paychecks or bill payment.  A standard ACH payment can take up to two business days to [settle](docId\:qQ3D8sBTuETGRtKaXTK1M). The Fed refers to this as “future dated.” 

Cross River supports all domestic ACH payment transactions. You can transfer funds from one US bank account to another. The `serviceType` attribute value in the [originate an ACH payment](docId\:ILwmF5qnTMLo30D2H3rCH) API will always be **standard**.

An ACH payment is either a push or pull depending on your [role](docId\:gP67oDbdcrlUrhNnyUKKr) in the transaction. Both the originator and the receiver can push or pull funds.

- The Originating Depository Financial Institution (ODFI) sends fund or sends a pull requests (to receive funds)
- The Receiving Depository Financial Institution (RDFI) receives funds or receives a pull request (to send funds)

Set the value to **pull** or **push** for the **transactionType** attribute in the [originate an ACH payment](docId\:ILwmF5qnTMLo30D2H3rCH) API.

See our [ACH APIs](docId\:r05hYQE8nVccwBGm1Ja1-) and our [ACH originate a payment](docId\:HLIqOJNMHJwJRI29Z0Ryt) tutorial.

### International payments

:::hint{type="info"}
For the Cross River comprehensive international payment solution, see [International payments](docId:3EvRgfMqC_15mbLV_j3cp).
:::

The ACH system is domestic (US only). However, it can facilitate funds transfers through similar payment systems in other countries. This allows you to transfer funds internationally using ACH.

If you want to transfer funds internationally using Cross River and ACH, you need a US intermediary FI (a US bank that can do international transfers) with a relationship with the FI of the international account. We pass the payment information and funds to the intermediary FI, which sends it to the corresponding international account.

If you want to receive funds from outside the US using ACH, the funds will first be transferred to an intermediary FI, and from there be transferred to us. 

*Any* payment over the ACH network that originates or ends in a foreign FI must use the **IAT** [SEC transaction code](docId\:M8a5dbzFhH5TV1NytK9Aw). The Cross River service type will always be **Standard**.

### Validation (prenote)

You can use an *ACH prenote *if you want to validate bank account information before sending or receiving any funds.

For example, if a utility company automatically withdraws a payment from a customer account, it sends an ACH prenote before it sends the request to withdraw the funds. A successful prenote call results in no error or change notification.

Sending an ACH prenote is simple. You [originate the payment](docId\:HLIqOJNMHJwJRI29Z0Ryt) with a value of **$0.00**. You can use ACH prenotes for both credits and debits.

Learn more about ACH prenotes and account validation from the Nacha [Validation Resource Center](https://www.nacha.org/content/account-validation-resource-center).

## Same day ACH

When you send a payment using Same day ACH, the funds are available to the RDFI on the [settlement date](docId\:qQ3D8sBTuETGRtKaXTK1M) provided the payment is sent within the defined Same Day [time window](docId\:E2visF8PQW49xrCm5AYLY).

There is a limit of $1,000,000.00 per Same day ACH transaction.

Same Day ACH uses the [same endpoint](docId\:ILwmF5qnTMLo30D2H3rCH)  as Standard ACH, however the [time window](docId\:E2visF8PQW49xrCm5AYLY) is smaller and you set the `serviceType` attribute to **SameDay**. 

:::hint{type="warning"}
**IMPORTANT**
The payment information and data you send to Cross River must conform with the [Nacha SEC codes](docId\:M8a5dbzFhH5TV1NytK9Aw)  and [Nacha settlement rules](docId\:qQ3D8sBTuETGRtKaXTK1M).
:::