When using two-day settlement for ACH, payments will be made on Same Day ACH rails. If a payment fails after funds have been made available in your Stripe balance, Stripe will immediately remove those funds from your Stripe account.
Please be aware of these additional risks. You may have transactions that pay out from your Stripe balance that later fail for common errors such as insufficient funds (NSF).
Businesses based in the US that are in good standing will typically be eligible for two-day settlement after processing on Stripe for a minimum of 120 days.
You can check your eligibility in your Dashboard.
If you have opted in to two-day settlement and your account fails to meet eligibility requirements on an ongoing basis, your eligibility may be revoked and your processing will revert back to standard timing.
Same Day ACH is an improvement to the ACH network that allows for faster processing of ACH transactions. This does not mean that funds are available and confirmed on the same day. The customer's bank still has two working days to send a return, so payments will take three to four working days to be processed and confirmed (compared to four to five working days for standard ACH). For ACH Direct Debit transactions with two-day settlement timing, payments under US$100,000 submitted before 14:00 Eastern Time will be processed on Same Day ACH rails. Payments above this limit or submitted after this cut-off time will be processed the next day.
Selection |
Settlement timing |
Confirmation timing |
Cut-off time |
Standard settlement |
T+4 |
T+4 |
24:00 UTC |
Two-day settlement |
T+2 |
T+3 |
14:00 Eastern |
All times are in working days