/ ACH & Bank Pay
Bank-to-bank payments, finally fast.
Same-day ACH, RTP, and FedNow on a single endpoint. Pre-validate accounts with Plaid, surface return codes in real time, and pay a flat fee per transaction — never a percentage.
- Same-day ACH with three NACHA windows
- RTP and FedNow for instant 24/7 settlement
- Plaid Auth + Balance verification included
- ~40% lower return rates with pre-validation
/ Bank rails
Same-day ACH, RTP, and FedNow — on one endpoint.
Move money bank-to-bank with the speed and rail that fits the transaction. ACH for low-cost bulk debits, Same-day ACH for funding by 5pm, RTP and FedNow for instant 24/7 settlement.
- Same-day ACH cutoffs at 10:30am, 2:45pm, and 4:45pm ET
- RTP (The Clearing House) and FedNow supported
- Account verification via Plaid Auth + Balance
- Pre-validation lowers return rates by ~40%
/ Returns & disputes
Live return-code surfacing.
NACHA return codes are surfaced in your dashboard and webhooks the moment they arrive at the ODFI — no waiting on a daily reconciliation file. Dispute response workflows built in.
- R-code surfaced in webhooks within minutes
- Auto-retry rules for R01, R09 returns
- Suspect-account flagging via aggregate signals
- Dispute response and proof packaging
/ Fees
Flat-rate ACH from $0.25.
Same-day ACH at $0.40, standard ACH at $0.25, RTP at $0.50 per transaction. No percentage of volume.
- No percentage fee on ACH
- Volume tiers from $1M monthly
- Settlement in your reporting currency
- Optional escrow & on-behalf-of flows
/ security & compliance
Your card data
never touches your servers.
PayVeta is a Level 1 PCI service provider. Sensitive cardholder data is tokenized in our HSM-backed vault and replayed against any acquirer in our network — so you can switch processors without re-prompting a single customer.
- AES-256 at rest, TLS 1.3 in transit, HSM-protected keys
- Continuous attack-surface monitoring & quarterly pen-tests
- Role-based access with hardware-key 2FA enforced for admins
- Vault tokens portable across MIDs — no vendor lock-in
/ faq
ACH & bank pay questions
01 What is the difference between ACH, RTP, and FedNow?
ACH is batch-cleared and settles next day (or same-day). RTP and FedNow are real-time, irrevocable rails that clear and settle within seconds, 24/7/365.
02 Can I pull payments via ACH?
Yes. PayVeta supports ACH debits with proper customer authorization (WEB, TEL, PPD, or CCD entry classes) and Plaid bank verification.
03 How long do I wait for ACH funds?
Standard ACH credits arrive next business day. Same-day ACH credits clear by 5pm ET on the same business day. RTP and FedNow are instant.
04 What are the ACH limits?
Per-transaction limits are set by underwriting. Same-day ACH has a per-entry limit of $1M (NACHA rule). RTP has a per-transaction limit of $1M; FedNow is $500K.
Send & receive money in seconds.
Standard ACH from $0.25 · RTP & FedNow from $0.50 per transaction.