ReliaFund Blog

Most ACH transfers settle in one business day, and Same Day ACH settles within hours. This guide covers cutoff times, return windows, and holidays. It also explains Nacha's September 18, 2026 rule: next-day credits must be available by 9 a.m. local time.

ACH fraud prevention is now a written obligation for businesses that send or collect ACH payments. This post covers the 2026 Nacha rule changes, return rates as an early warning, and controls for collections and disbursements. It also covers data security, the Contact Registry, and the annual audit.

Businesses that accept corporate or purchasing cards may be paying more interchange than they need to. This post explains Level 2 and Level 3 processing and what changed in 2025 and 2026. It also covers which transactions qualify, typical savings, and why data quality now matters.

A chargeback costs you the sale, a dispute fee, and staff time. This post explains how chargebacks work, which dispute category drives yours, and seven fixes that reduce them. It also covers when to fight or refund and where ACH fits as an alternative.

PCI compliance for a small business depends on how much of your business the standard reaches. This post explains what PCI DSS covers, why scope matters, and the tools that shrink it. It also covers choosing the right self-assessment questionnaire and the script requirements.

Same Day ACH lets eligible payments settle within hours on the same banking day. This post explains how it works, what is eligible, and what it costs. It also shows how to decide payment by payment when the faster window is worth it.

An ACH credit pushes money and an ACH debit pulls it, and that direction shapes authorization, timing, and risk. This post explains when each makes sense, how authorization and return rights differ, and how small businesses can structure payment workflows around both.

Card processing fees are more than a single percentage. This post breaks down the three parts of every card transaction, the four pricing models, and the fees that sit outside the rate. It then shows how to calculate your effective rate and lower what you pay.