Time windows

when originate an ach payment , it's important to understand how the time of day the transaction is sent and the servicetype value impact when the funds actually arrive in the account you need to be aware of the time windows /#cross river time windows payment effective date when an ach payment payment settlement in an account any transaction tied to an ach payment executes on the effective date of the payment the servicetype (either standard or same day ) and the configured cutoff time influence the effective payment date when the payment is released to the federal reserve and receipt of payment is acknowledged, we execute the transactions on the payment effectivedate see payment types and the originate an ach payment api for example a same day payment originates on tuesday, 8/24 at 12 pm the cut off time is configured for 1 pm the effectivedate of the payment is 08/24 a same day payment originates on tuesday, 8/24 at 3 pm the cut off time is configured for 1 pm same day cutoff the effectivedate of the payment is 08/25 because the payment originated after the cutoff time the service type remains sameday in the system, despite the next day effective date a standard payment originates on tuesday, 08/24 the effectivedate of the payment is 08/25 cross river time windows cross river batch sends files received throughout the day to process a payment for any time window, the files must go through the due diligence process before the cutoff time false false 301false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type dependent on additional processing checks cross river accepts same day and standard transactions during the above times in accordance with the fedach processing schedule the windows ensure sufficient flexibility in processing and submitting transactions in a timely manner to meet settlement times window cutoff times are customizable to meet your processing needs