- Short answer
- Yes, if eligible: in the US, Bill Pay's Fast ACH from Shopify Balance arrives the same business day for 1% when sent before its cutoff.
- Who can use it
- US merchants with the Shopify Bill Pay app installed
- Cost from Balance
- 1% delivery fee; paying from Balance itself is free
- Cutoff and amount limit
- Earlier than the standard 9:00 pm ET cutoff; pages we read give no Fast ACH cutoff time or limit amount
- If Fast ACH isn't available
- Balance wire (not Bill Pay): same business day before 5:00 pm ET, $10
How do you pay a supplier the same day from Balance?
Install the Shopify Bill Pay app, powered by Melio; it's available only to merchants in the United States. In Finance > Bill Pay, pay the bill with Shopify Balance, select ACH bank transfer, then pick Fast bank transfer (ACH) as the delivery speed.
From Balance, Fast ACH arrives the same business day for a 1% delivery fee; paying from Balance itself is free.
When does a Fast ACH payment not arrive the same day?
Eligibility is decided per payment, and Shopify points you to Melio's requirements.
Same day delivery isn't available for every transfer.
Melio says you may be eligible when:
- you've processed several successful ACH payments;
- no payment failed due to fraud or insufficient funds;
- no other risk indicators exist;
- payment limits, which vary with transaction history, aren't exceeded.
Paying from Balance is also subject to Shopify Balance's Daily Card Spend. Standard methods process once a day before 9:00 pm ET; same-day ACH has an earlier cutoff, and a payment submitted after that cutoff begins processing the next business day.
Neither that cutoff time nor a dollar figure for the Fast ACH payment limit appears on the Bill Pay help pages we read on September 29, 2026 (Payment methods, Paying bills, Paying multiple bills, Recurring payments, Payments, Vendors, Setting up, Troubleshooting, Receive instant payments), on shopify.com/bill-pay or in Melio's eligibility article.
What if Fast ACH is not available for your payment?
Outside Bill Pay, a U.S. domestic wire sent from Balance before 5:00 pm Eastern Time on a business day arrives the same day for $10 USD; it's a Balance transfer, not a Bill Pay payment. In Bill Pay, standard ACH from Balance is free and takes 3-4 business days. Paying an overseas vendor? See whether Balance can pay international bills or send an international transfer outside Bill Pay.
Only your vendor can select an instant payment to their debit card, only when you pay by ACH or paper check; it costs them 1% and is free for you (see Shopify's instant options).
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