Payment rail · United States
Payment rail · United StatesWhat is ACH in the United States?
ACH — the Automated Clearing House Network — is the United States’ payment system behind Direct Deposit and Direct Payments, reaching virtually every US bank and credit union account, governed by Nacha. Poplin pays out to the United States over ACH, settling within two business days at the latest.
Source: Nacha (opens in a new tab)
Updated · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer
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A payout to the United States clears fastest over
Same Day ACH
settles the same business day · 0.5% + $1.00 on a business account
Also reaches USD accounts over
Set from your location — change it above.The recipient’s account details decide the rail — the fee is always shown before you send.
// at a glance
What the rail sets for a payout over ACH — and what Poplin charges to send.
Settlement
2 days
a ceiling, not the typical time
Reaches
1
country — United States
Paid out in
USD
US dollar
Business fee
0.5%
plus a $0.50 fixed fee
Clearing
Local
domestic clearing
Days are business days — a Saturday delays a same-day or next-day payout. These are ceilings, not typical times: within the window, how fast the money lands depends on the receiving bank.
// how it moves
How ACH payouts move.
From your US-dollar balance to an account in the United States — four steps.
You send from USD
Enter an amount in your Poplin US-dollar account and confirm the payout — the full fee shows before you send.
Dollars stay dollars
ACH pays out in US dollars, so nothing converts — no rate, no markup.
Cleared over ACH
Poplin clears the payout over ACH, the US bank-transfer network.
Arrives inside the window
ACH settles within two business days — a ceiling, not the typical time; how fast it lands depends on the receiving bank.
// coverage
Where ACH reaches.
United States
The one country Poplin pays out to over ACH, in US dollars.
Sending somewhere else?
Each destination clears over its own set of rails. See the rail, speed, and fee for any destination — or the fee for every rail on one page.
ACH — FAQ
Basics
What is ACH in the United States?
ACH — the Automated Clearing House Network — is the United States’ payment system behind Direct Deposit and Direct Payments, reaching virtually every US bank and credit union account, governed by Nacha. Poplin pays out to the United States over ACH, settling within two business days at the latest.
Speed
How long do ACH payouts take in the United States?
Over ACH, Poplin payouts settle within two business days. Payments leave your account in seconds; ACH then clears the payout to the recipient’s bank.
Cost
How much does it cost to send money to the United States over ACH with Poplin?
A percentage of the amount plus a $0.50 fixed fee — 0.5% on a business account and 1% on a personal account, shown in full before you send. ACH pays out in US dollars, so nothing converts at Poplin — no rate, no markup.
Coverage
Does Poplin pay out to the United States over ACH?
ACH is how Poplin pays out to the United States, in USD. Poplin also reaches the United States over Same Day ACH (USD) and Wire (USD) — which one a payout uses depends on the bank details your recipient has.
Send US dollars to the United States over ACH.
Open a US-dollar account in minutes. No monthly fees.