Can a company outside the US use ACH?
From ACH vs wire (Fedwire) vs FedNow: which US payment rail to use, by Pavel Skalin. Updated .
The wider picture
The key points from the guide this answer comes from:
- Use ACH for routine payments that can take a day, such as payroll, supplier runs and collections.
- Use Fedwire for large or urgent payments that must be final the same business day. A wire can't be reversed once it's processed.
- Use FedNow or RTP for payments that must arrive in seconds at any hour, if both banks are connected.
- Same Day ACH settles in three daily batches and is capped at $1 million per payment until 17 September 2027, when the cap rises to $10 million.
More questions on this
- Is Same Day ACH as fast as a wire?
- Can a wire be reversed?
- Can any US bank account receive a FedNow payment?
The full guide
Use ACH for routine payments that can take a day, Fedwire for large payments that must be final the same business day, and FedNow or RTP for instant payments at any hour. The payee's bank has to be connected to the rail you choose.
Read ACH vs wire (Fedwire) vs FedNow: which US payment rail to use, with its sources.
General information, not legal, tax or financial advice. Rules and providers' terms change; check the sources in the guide and take advice on your own situation.
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