Settlement desk / US payment tools
Same Day ACH payment limit checker
Data as of 2026-10-05
Check a single payment amount
Enter the planned settlement date and the amount of one payment. Indicate whether it is an International ACH Transaction, or IAT. The checker compares the amount with the published per-payment limit that applies to the selected date and checks the IAT exclusion. A passing result means those two checks pass. It does not mean the payment has been accepted by a bank or meets every rule for its entry type.
The current Same Day ACH per-payment limit is $1 million. Nacha has approved an increase to $10 million effective September 17, 2027. The checker keeps the current and future rule separate by date. A payment planned before that effective date uses the current limit, even if you are reading about the approved increase.
Worked example: the rule change
| Planned date and amount | Amount check | IAT status |
|---|---|---|
| Sep 16, 2027; $1,000,000 | At the applicable limit | Non-IAT input |
| Sep 16, 2027; $1,000,000.01 | Above the applicable limit | Non-IAT input |
| Sep 17, 2027; $10,000,000 | At the approved future limit | Non-IAT input |
The amount and eligibility formula
The amount comparison uses dollars and cents: a positive amount must be less than or equal to the applicable per-payment limit. The second check requires the IAT input to be no. Both conditions must pass for the displayed two-check result. The checker rejects negative amounts, zero, malformed numbers, and amounts with more than two decimal places.
Nacha's developer guide states the current amount limit and IAT exclusion. The approved future rule page supplies the future amount and effective date. Other entry-type limits may still apply under that rule. The tool therefore does not describe its result as full Same Day ACH eligibility. Read the developer guide. Read the approved future dollar-limit rule.
The limit is not a batch-splitting instruction
Use the amount of one payment, not the total of unrelated payments in a payroll or supplier file. Nacha's current dollar-limit explanation distinguishes an individual transaction from the aggregate value of a batch or file. It also states that transactions may not be restructured to evade the per-payment limit.
Do not divide a single obligation into artificial smaller payments based on a checker result. If a proposed payment exceeds the applicable limit, ask the bank which permitted payment option is available. This page does not recommend a workaround or confirm the eligibility of a particular invoice arrangement.
Amount eligibility and timing are separate checks. Even a payment within the limit must be received by the originating bank's Same Day ACH deadline. Use the windows tool to review the operator schedule, then confirm the bank's own customer cutoff and the chosen settlement window.
The selected date is used to choose the limit, not to guarantee settlement on that date. A weekend or holiday remains closed for ACH settlement even when the amount passes. Check the holiday calendar and timing estimator before planning a payment near a closure. Recheck the official rule page if your payment depends on a future rule becoming effective as published.
Frequently asked questions
Can a single payment be split to fit the limit?
Nacha says transactions may not be restructured to evade the per-payment limit. Ask the bank about permitted payment options.
Does passing establish full eligibility?
The checker examines amount and IAT status only. Other entry-type rules, authorization, bank requirements, and timing still apply.