ACH
The Automated Clearing House network — same-day ACH is the default cost-effective batch rail.
ACH is a same day payment rail routed by KeyBS Pay. The Automated Clearing House network — same-day ACH is the default cost-effective batch rail.
Payouts routed through ACH settle to beneficiary accounts in US. Where ACH is available for the destination country, it is the default rail for eligible payouts.
Every ACH payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a ACH payout moves through KeyBS Pay
ACH settles in same day on eligible USD destinations.
Popular ACH searches
Auto-generated from real query patterns across the KeyBS Pay hub.
Ask AI about the ACH rail
Tap any question to open a KeyBS AI conversation prefilled with your query.
Countries reachable via ACH
ACH by industry
ACH developer resources
Frequently asked questions
What is ACH?
The Automated Clearing House network — same-day ACH is the default cost-effective batch rail.
How fast is ACH?
Same day. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through ACH?
US. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on ACH.
What currencies are supported on ACH?
USD is the primary settlement currency for ACH. Multi-currency corridors are supported where the rail permits.
What limits apply on ACH?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is ACH available 24/7?
Real-time rails (others) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate ACH?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is ACH regulated?
Yes. KeyBS Pay routes ACH payouts only through partners licensed for the destination corridor.
Can I get a ACH settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a ACH payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for ACH?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use ACH for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on ACH?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does ACH support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use ACH most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of ACH on the KeyBS Pay platform.
Route your first ACH payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.