Qualifying for faster ACH processing

Last updated: October 1, 2025

To be eligible for faster, same-day ACH processing, customers must meet specific criteria that demonstrate financial stability and operational maturity.

Business requirements

  • Account history: Have an active Moov account in good standing for a minimum of 90 days with a proven track record of successful ACH transactions.

  • Transaction volume: Demonstrate established payment operations by maintaining consistent ACH processing volume of at least $50,000 per month over the past 6 months.

  • Return rate management: Maintain ACH return rates below industry benchmarks (typically under 0.5% for debits) over the evaluation period.

Financial stability indicators

  • Reserve requirements: Establish and maintain a reserve fund calculated as the higher of:

    • 1.5x your peak daily processing volume, OR

    • A percentage of your highest monthly volume from the last 6 months based on industry risk classification:

      • Low Risk Industry: 15% of monthly volume

      • Medium Risk Industry: 25% of monthly volume

      • High Risk Industry: 50% of monthly volume

  • Credit assessment: Complete Moov's enhanced underwriting process, which may include providing recent financial statements.

  • Risk profile: Industry classification will be determined during underwriting based on your business model, transaction patterns, and regulatory environment.

Operational standards

  • Compliance track records: Show consistent adherence to ACH rules, NACHA guidelines, and Moov's terms of service without recent violations.

  • Integration maturity: Implement proper webhook handling, return processing, and exception management in your payment flows.

  • Business verification: Complete enhanced business verification, including beneficial ownership disclosure and updated business documentation.

Application process

  1. Assessment: Contact your Moov account manager or reach out to our team to begin the evaluation process.

  2. Documentation: Provide requested financial and operational documentation.

  3. Review period: Allow up to 5 business days for underwriting review.

  4. Approval: Upon approval, faster processing will be enabled with no-hold as the default setting.

  5. Monitoring: Accounts are subject to ongoing monitoring to maintain qualification.

Important considerations

  • Source of funding: Bank-funded transactions provide the strongest qualification profile for faster processing. Direct bank account funding demonstrates financial stability and reduces risk compared to alternative funding sources.

  • Risk acknowledgement: Faster processing means returns and exceptions require immediate attention. Ensure your team can handle rapid dispute resolution and account management.

  • Volume scaling:  Qualification thresholds may adjust based on your processing volume and business growth.

  • Periodic review: Moov may periodically review accounts to ensure continued qualification for faster processing privileges.  Moov reserves the right to turn off faster funding at any time, at Moov's discretion.