Order Form

    This individual Note Here Comes Same Day ACHis available for purchase. This Note is available to members of Mercator Advisory Group’s Debit Advisory Service. Please be advised that this Note is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Note contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

    While the Note represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Notes form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Notes (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

    Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Note purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

    The price for individual Note purchases is $1450 per document. 


    Click here for a fax-back order form




Here Comes Same Day ACH

Same Day ACH begins its staged launch in the U.S.

The availability of same day ACH will forever change the payments industry and have an impact on the course of faster payments.

The launch of ACH transactions that can be submitted and received within the same business day will begin its three-year roll-out cycle in the United States on September 16, 2016 when all Receiving Depository Financial Institutions are required to accept credit transactions that are assigned the current day’s effective date.

Mercator Advisory Group’s latest research note, Here Comes Same Day ACH, looks at how same day ACH is being introduced, its potential impact to the payments market, and issues that financial institutions are grappling with as they get ready to incorporate same day ACH into their sales and operations environments.

“Same Day ACH (SDA) may not be revolutionary in its technology, but making same day ACH widely available will impact new products that will use same-day to facilitate transactions. SDA has the potential to uproot or change the course of faster payments initiatives. Same Day ACH does not have all the attributes of a faster payment as defined by the Federal Reserve, but it may be fast enough for some payment scenarios, taking away potential business from still developing faster payments initiatives. Near ubiquity and a low price point make Same Day ACH very attractive,” comments Sarah Grotta, Director, Debit Advisory Service at Mercator Advisory Group and author of the research note.

This report has 12 pages and 2 exhibits.

Companies mentioned in this document include: Bank of America, clearXchange, FIS, Fiserv, MasterCard, NICE Actimize, PayPal, U.S. Bank, Visa, and Wells Fargo.

Highlights of the research note include:

  • Details of the national Same Day ACH roll-out plan

  • How Same Day ACH compares with faster payments initiatives

  • The impact on financial institutions

  • Probable use cases where Same Day ACH will thrive