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Merchants Instant Payments: FedNow vs ACH (Automated Clearing House), 10-Second vs 3-Day

Year: 2026

Type: preprint

Abstract: Choose FedNow's 10-second payouts over 3-day ACH only when delay cost exceeds verified FI fees plus exception labor. Keep ACH for recurring or vendor flows. Independent technical note mirroring the canonical version: https://l0t.me/blog/merchants-instant-payments-fednow-vs-ach-automated-clearing-house-10-second-vs-3-day.php

Source: Zenodo (CERN European Organization for Nuclear Research)

DOI: 10.5281/zenodo.24147229

Author: Lawson, Nathan

Language: English

Topic: Digital Transformation in Financial Services

Subfield: General Economics, Econometrics and Finance

Field: Economics, Econometrics and Finance

Domain: Social Sciences

Open Access status: green

OpenAlex ID: W7225815857

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