Fast ACH and instant payment eligibility requirements

  • Updated

Various factors determine eligibility for fast ACH and instant payment. Each payment is different and is considered individually. 

Melio is always working to protect you from fraud. As a result, not every payment is eligible for fast delivery.

The following requirements are general guidelines only. For example, as a Melio user, you may be eligible for a fast ACH or instant payment when:

  • You’ve processed a number of successful ACH payments in the past
  • You don’t have any failed payments due to fraud or insufficient funds
  • No other risk indicators exist
  • Payment limits are not exceeded*

If your payment is eligible, the option to select fast ACH or instant payment will be available when you schedule the payment’s debit date. Follow these steps to expedite your payment with fast ACH or instant payment.


*Payment limits vary based on transaction history

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