Accelerated ACH payments

Rainforest now supports the ability to accelerate ACH payments to deposit to your merchants on a T+1 deposit timing.

Rainforest's default ACH deposit timing is T+4, a conservative window designed to allow most administrative ACH Returns to process before funds are deposited to a merchant.

ACH payments can be accelerated by running a frictionless bank validation directly with participating banks or validating the user's bank account with Validated ACH. If Rainforest is able to validate the ACH payment method, then the ACH payment can be accelerated to a T+1 deposit timing.

Billing

This feature incurs additional billing fees.

Accelerated ACH rate and fee

ACH payments that are accelerated and deposited before the standard ACH deposit timing incur a separate rate and fee from standard ACH payins.

Frictionless validation fee

The first time a payment method is used to accelerate a payment, a one time Frictionless Validation Fee is billed. Recurring accelerated payments on the same payment method will not incur the frictionless validation fee.

How to enable

If you are interested in enabling accelerated ACH payments, please reach out to your Platform Success Manager or support to enable this feature.

Once the platform has Accelerated ACH enabled on their merchants, Rainforest will attempt to validate all ACH payments and accelerate if the payment method is validated.