# Payout limits with customized start of day in the US

When you set a customized start of day using a US timezone, Stripe routes your automatic payouts over **same-day ACH** to ensure funds arrive at your bank on the expected date shown in the Dashboard.
Same-day ACH has a maximum transaction limit of **1,000,000 USD** per payout, imposed by the ACH network. This means:
- **Payouts of 1,000,000 USD or under** are sent via same-day ACH and arrive on the expected date.
- **Payouts over 1,000,000 USD** cannot use same-day ACH. These payouts are sent via next-day ACH instead, which adds one additional business day of transit time. The payout arrives one business day later than the date shown for smaller payouts.
## Example
A business in New York sets their start of day to midnight US/Pacific and is on a daily automatic payout schedule with next-day settlement (T+1). Charges processed on a Monday should be paid out on Tuesday (the next business day). Depending on the total payout amount, the funds may be delayed an extra day:
| Payout amount | Rail used    | Expected arrival                        |
| ------------- | ------------ | --------------------------------------- |
| 800,000 USD   | Same-day ACH | Tuesday (next business day)             |
| 1,500,000 USD | Next-day ACH | Wednesday (one additional business day) |
## Why this happens
By default, Stripe uses UTC to define the boundaries of a "day" for grouping transactions into payouts. When you customize your start of day to a US timezone, Stripe creates the payout after the next-day ACH submission cutoff has already passed. At that point, Stripe has two options:
- **Same-day ACH** — delivers the payout on the expected arrival date, but has a 1,000,000 USD per-transaction limit.
- **Next-day ACH** — supports larger amounts, but the payout arrives one additional business day later.
Stripe uses same-day ACH whenever possible. For payouts over 1,000,000 USD, same-day ACH is unavailable, so the payout falls back to next-day ACH with the extra day of transit time.
## What you can do
If your payouts regularly exceed 1,000,000 USD and the additional day of transit time is a concern, you can **keep the default UTC start of day**. With UTC, payouts are created before the next-day ACH cutoff, so there is no need to use same-day ACH. Transit time is consistent regardless of payout size, though your payout bundling aligns to UTC days rather than your local timezone.