This feature is available on all Goodshuffle Pro Plans.
Instant Bank Payments and standard ACH both pull funds directly from a client's bank account, but they're meant for different situations. Here's how they compare.
Side-by-Side Comparison
Settlement time — Instant Bank Payments settle within 2 business days; standard ACH takes 3–5 business days to clear and then two business days to settle.
Fee — Instant Bank Payments carry a 2.5% processing fee with no cap; standard ACH fees are 1%, capped at $60.
Charge limit — Instant Bank Payments are capped at under $5,000 per charge; standard ACH has no equivalent cap.
When offered — Instant Bank Payments only appear inside your ACH cutoff window (1-7 days before the Logistics Start Date); standard ACH is available outside that window.
Project eligibility — Instant Bank Payments don't work on projects with a net payment policy; standard ACH does.
When to Use Each
Use Instant Bank Payment when you're close to an event date and need funds to clear quickly. The fee is the trade-off for speed.
Use standard ACH when the project is far enough out that standard settlement times aren't a problem, or when the charge is over $5,000.
How the System Decides Which to Offer
You don't have to choose manually. Goodshuffle Pro will offer Instant Bank Payment automatically when the project, charge, and timing all meet the criteria. Otherwise, the client sees standard ACH and card options.
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!