Learn about Orum’s processing windows and cutoff times for ACH, RTP, FedNow, and Cards
completed
state after Orum receives acknowledgement from the Fed that it has successfully received the ACH file for that processing window. This generally occurs within 20-30 minutes after the Fed transmission deadline for that window.API Request Deadline | File Submission | Fed Transimission Deadline |
---|---|---|
10:15am ET | 10:20am ET | 10:30am ET |
2:30pm ET | 2:35pm ET | 2:45pm ET |
4:30pm ET* | 4:35pm ET | 4:45pm ET |
7:45pm ET | 7:50pm ET | 8:00pm ET |
10:30pm ET | 10:35pm ET | 10:45pm ET |
11:45pm ET | 11:50pm ET | 2:15am ET |
Network | Transaction Type | Cutoff Time |
---|---|---|
Visa | AFT | 6:00am ET |
Mastercard | AFT | 9:00pm ET |