Learn how ACH payment processing works, why only one pending payment is allowed, and how to use secondary payment methods while waiting for ACH transactions to complete.
ACH Payment Processing Timeline
When an ACH payment is requested and initiated, the transaction enters a processing cycle that typically takes 7-10 business days to complete. Credits are deposited to your account only after the bank has fully processed the transaction and it has been confirmed successful.
Limitations on Pending ACH Payments
To prevent accumulation of multiple pending withdrawals, the system allows no more than 1 pending ACH payment at any time. If you attempt to initiate another ACH payment while one is already in process, you will receive the following error message:
"There is already a pending ACH payment. Please wait for it to complete or switch to a secondary method."
Using Secondary Payment Methods
While an ACH payment is processing, the system will not allow another ACH request to be made. However, you can still add funds to your account by setting up a secondary default payment method using a credit card.
Benefits of Secondary Payment Methods
- Can be used while ACH payments are still processing
- Has its own threshold and auto-reload settings
- Can be used without changing your primary default payment method
- Provides continuous service until ACH credits clear
Why We Limit Pending ACH Payments
This limitation prevents the accumulation of multiple pending ACH requests, which could result in unexpected large withdrawals from your bank account when they all process at once. By taking one request at a time, we ensure more predictable financial management and prevent potential payment issues.
Recommended Actions
- Wait for your current ACH payment to complete (7-10 business days)
- Set up a secondary credit card payment method for use during ACH processing periods
- Monitor your payment status in your account dashboard