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Troubleshooting Instant Bank Payment Failures

What to check when a client can't see Instant Bank Payment at checkout or when a payment fails to go through.

Written by Sierra Burton

This feature is available on all Goodshuffle Pro Plans.

🇺🇸 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.

Client Doesn't See Instant Bank Payment as an Option

If a client says they can't find the Instant Bank Payment option at checkout, verify all of these:

  • Your Goodshuffle Pro account is based in the United States (Instant Bank Payments are US-only)

  • Instant Bank Payments are enabled on the project (check the project's Billing tab)

  • The project is inside your ACH cutoff window. Instant Bank Payments only appear during this window

  • The charge amount is less than $5,000

  • The project does not use a net payment policy

The Payment Was Declined

If the payment went through and then failed, the most common causes are:

  • Insufficient funds — the client's bank rejected the charge

  • Incorrect account information — the client may have mistyped their routing or account number

  • Bank-imposed limits — some banks block instant transfers above a certain threshold by default

In each case, ask your client to try again, switch to standard ACH, or use a card.

The Payment Is Stuck on "Pending"

Instant Bank Payments typically settle within two business days. If a payment has been pending for more than 2 hours, contact our support team.


Need Additional Support?

Click the blue chat bubble in the bottom-right corner of your screen to message our support team — we're happy to help!

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