Choose your payment speed
Manage your cashflow by deciding per payment if you wish to deliver it within the standard speed (3 days) or same day.
← Back to API homepage
ACH payments, without the plumbing.
Collect funds and pay out by ACH – standard or same-day – to any business. The business getting paid doesn’t sign up, and we handle compliance for you.
-
ACH delivered the same day or up to 3 days.
-
Fund from a bank account or a credit card.
-
No sign up needed for the businesses getting paid.
API for ACH payouts
API for ACH payouts
Choose your payment speed
Manage your cashflow by deciding per payment if you wish to deliver it within the standard speed (3 days) or same day.
Fund one way, deliver another
Deliver an ACH payment even if the payment was funded from a credit or debit card. Moving money across multiple payment rails is easy with the Melio API.
No signup needed for receiving businesses
The business getting paid doesn’t need to create a Melio account. We deliver it directly to their bank account.
Payment rails and compliance are built in
With one integration we take care of bank integrations and compliance requirements. You don’t build, operate or maintain any of it.
Fund one way, deliver another
Deliver an ACH payment even if the payment was funded from a credit or debit card. Moving money across multiple payment rails is easy with the Melio API.
No signup needed for receiving businesses
The business getting paid doesn’t need to create a Melio account. We deliver it directly to their bank account.
Payment rails and compliance are built in
With one integration we take care of bank integrations and compliance requirements. You don’t build, operate or maintain any of it.
1
/
4
What you get with ACH
Standard ACH
Lands within three business days, cutoff 9:00 p.m. ET.
Fast ACH
Same business day, cutoff 2:00 p.m. ET. Choose bank or card funding; card-funded ACH payouts are same day by default.1
Card-funded ACH
Charge a card, then deliver payment through ACH.
Delivery estimate
The estimate is shown on the payment when you create it.
Large B2B payments
Fund small or high amount payments in a B2B context.
Full status tracking
Webhooks on every state change, from scheduled to settled.
