> ## Documentation Index
> Fetch the complete documentation index at: https://docs.synctera.com/llms.txt
> Use this file to discover all available pages before exploring further.

# What are the processing times for ACH files?

> ACH files are sent during ACH Exchange Windows (https://www.frbservices.org/resources/resource-centers/same-day-ach/fedach-processing-schedule.html).

Direct ACH payments typically take several business days to appear in the recipient's account.