Note: Express ACH is currently available as a beta feature for a small group of customers. If you’d like to be included in the beta, please reach out to us at [email protected]
What is Express ACH?
Express ACH is a new reimbursement model in Sage Expense Management that speeds up ACH payouts for most expense reports while improving security for higher-value reimbursements.
With Express ACH, expense reports are processed based on their reimbursement amount:
Expense reports up to $1,000
→ Processed via Next-Day ACH (typically 1-2 business days)Expense reports above $1,000
→ Processed via Standard ACH (typically 3-5 business days)
In many organizations, the majority of reimbursements fall below $1,000, allowing employees to receive funds faster and more consistently.
Why use Express ACH?
Faster payouts for most employees
A large portion of expense reports are processed in 1-2 business days.More predictable processing
Reimbursements follow a clear structure based on amount.Better security for high-value transactions
Larger reimbursements use Standard ACH, reducing the risk of payment failures or reversals.No configuration needed
Once enabled for your account, the model works automatically.
How it works
Once Express ACH is enabled for your account:
An employee submits an expense report.
The reimbursement amount in the expense report determines the ACH method:
≤ $1,000: Next-Day ACH
> $1,000: Standard ACH
Admins can track payouts as usual - no new steps or settings.
Your existing bank configuration remains unchanged.
FAQs
1. Do we need to change any settings to use Express ACH?
No. Once the feature is enabled for your account, it works automatically.
2. Will employees notice a difference?
Most will receive reimbursements faster - employees will notice that! Only larger reimbursements will still be processed via Standard ACH timelines.
3. Can we choose to stay on the old ACH model?
During the beta, the tiered model applies to enrolled accounts. You can choose to opt out of the beta and switch back to the old ACH model.
4. Does this change our ACH limits?
No. Your account’s overall processing limit stays the same.
5. Do we need additional verification or deposits?
No. No extra verification or security deposit is required.
6. What are the cut-off times for ACH transfers?
Reimbursements for expense reports upto $1,000 follow the below timeline:
Reports processed before 4:00pm UTC: 1 business day
Reports processed after 4:00pm UTC: 2 business days
7. Does the $1,000 limit include credit card expenses?
No. Only the reimbursable amount in an expense report is used to determine whether it is processed via Express ACH or Standard ACH.