This feature is available on all Goodshuffle Pro Plans.
Instant Bank Payments give your clients a faster way to pay directly from their bank account when there isn't enough time for standard ACH to settle. Unlike traditional ACH, which takes 3–5 business days, Instant Bank Payments settle like Credit Card payments (i.e. paid out to your bank in 1-2 business days) making them a great option as events approach.
🇺🇸 US accounts only: Instant Bank Payments are available to Goodshuffle Pro accounts based in the United States. Accounts in other regions won't see this option.
How Instant Bank Payments Work
Instant Bank Payments use the same bank-transfer rails as ACH, but without the "Pending" timeline of traditional ACH payments. When a client pays using this option, the funds settle within two business days.
What Happens If a Payment Is Disputed?
Sometimes a payment gets reversed after it's already gone through. There are two ways this can happen, and they're treated very differently:
The bank reverses it (e.g., closed account, technical issue) — You keep the money. Stripe covers it, so nothing comes out of your balance.
The client disputes the charge with their bank — for example, they don't recognize it, claim it wasn't authorized, or are challenging it as fraud. In this case, Stripe pulls the original payment amount plus a dispute fee back out of your Stripe balance while the dispute is being reviewed. You'll then have a chance to respond and submit evidence (receipts, contracts, communication) through your Stripe Dashboard — the same way you would for a credit card dispute.
A note on fraud: Stripe does some fraud screening before Instant Bank Payment is even offered at checkout, so risky transactions may never see the option. But if a fraud claim does come through after a payment, it follows the dispute path above.
For the full technical breakdown, see Stripe's Instant Bank Payments documentation.
When Clients See Instant Bank Payments as an Option
A client will see Instant Bank Payment in client view when all of the following are true:
You've enabled an ACH cutoff window on the project
Instant Bank Payment is accepted during that cutoff window
The charge is less than $5,000
The project does not have a net payment policy
Instant Bank Payments carry a 2.5% processing fee. You can choose whether to absorb the fee or pass it on to the client — see How to Enable Instant Bank Payments.
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