Need cash today? Toggle on, money lands by 5pm.
Standard T+1 settlement is fine for most businesses. When payroll can't wait or vendors need paying, same-day payouts get processed funds into your bank by end of business day. Toggle per batch.
T+1 is fine until payday is tomorrow and your account is short.
Standard processing settlements take one business day. That's normally fine. But when payroll runs Friday morning and you need today's revenue available, T+1 means waiting until Monday. Same-day payouts solve the cash-timing problem on the days that matter.
- →Friday morning payroll, Friday batch settlement won't land until Monday.
- →Vendor invoice due today, you have the money in pending settlement but can't access it.
- →Slow week, you need every dollar accessible right now.
- →Cash flow surprise, you're caught between when revenue settles and when payments are due.
What same-day payouts deliver.
Real-world same-day funding outcomes for Reyna Pay merchants.
Same-day shouldn't require switching processors.
We don't make you commit to same-day funding for everything. Toggle per batch when you need it. The rest of the time, standard T+1 settlement at the standard rate. Pay the surcharge only when you use it.
Features built for same-day payouts.
Per-batch toggle
Need today's revenue today? Toggle on for this batch. Surcharge applies to that batch only. Tomorrow's batch goes back to standard T+1 unless you toggle again.
5pm cutoff for same-day funding
Submit your batch before 5pm Eastern, funds land in your bank by end of day. After 5pm, batch processes for next-day same-day funding.
Configurable per location
Multi-location group? Each location can have its own same-day funding policy. Maybe payroll runs at one location and the others use standard funding.
Bank-grade transfer rails
Same-day ACH or RTP rails depending on your bank's capabilities. We route through the fastest available method per transaction.
Where this solution wins.
Friday payroll
Toggle Friday morning batch to same-day, payroll runs from today's settlement instead of waiting for Monday.
Big purchase day
Inventory restock or equipment purchase, today's revenue funds today's expense.
Cash flow squeeze
Slow weekend recovery on Monday morning, get the revenue accessible immediately.
Vendor net-30 net-15 timing
Vendor invoice due today, today's revenue covers it without dipping into operating capital.
Staff bonus or tip distribution
Cash-out bonuses or large tips on the day they're earned, not three days later.
Common questions about same-day payouts.
Typically a small per-batch surcharge (around 0.25% of the batch). No monthly fee, you only pay when you use it.
5pm Eastern, the batch needs to be submitted before then for same-day funding. Specific cutoffs may vary by bank rails.
Most major US banks support same-day ACH or instant RTP transfers. We route to the fastest method available for your bank.
Yes. Some plans support 'always-on' same-day funding for a flat monthly fee. Talk to us about whether the math works for your business.
What pairs with this.
Built for these verticals.
Ready to use same-day payouts?
Apply in two minutes. Most merchants approved within 24 hours.