# Qualifying for faster ACH processing

Last updated 9 months ago

To be eligible for [faster, same-day ACH processing](https://docs.moov.io/guides/money-movement/accept-payments/ach/ach-processing-speeds/#faster-same-day-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](https://docs.moov.io/guides/accounts/requirements/underwriting/), 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](https://www.nacha.org/newrules), and Moov's [terms of service](/content/legal/platform-agreement/index.html) 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](https://docs.moov.io/guides/accounts/requirements/business-representatives/) and updated business documentation.

## Application process

1. **Assessment:** Contact your Moov account manager or [reach out to our team](/content/contact/index.html) 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.