Intro XL – Automated ACH File Schedule (All Times CST)
Note: Every payment processor has different official cutoff times.
The schedule below reflects Intro XL’s automated processing times for sending ACH files to your processor.
For your processor’s exact cutoff times, please reach out to them directly.
| Type | Time(s) CST | Notes |
|---|---|---|
| Same Day Funding | 11:45 am 1:05 pm 1:55 pm | Available only if same-day funding is turned on. Contact Intro XL Support to enable. |
| Funding (Regular) | 6:50 pm 8:20 pm (new) | Standard ACH funding file times. |
| Prenotes | 10:30 am | Sends prenote files for account verification. |
| Payments | 5:00 pm 6:30 pm (fail-safe) | Fail-safe run is expected to be empty and typically does not send out. |
| Holiday Payments | 5:30 pm | Sends ACH payments two business days in advance (e.g., Wednesday for Friday payments). Must be manually set up before each holiday. |
Please contact us (Help > Support Ticket) to turn on same-day processing.
Once it’s on, go to Processing > Create ACH to see what’s on “Auto.”
If there are payments you want to modify use the “queue” / calendar function.
To view all “Auto” and “Scheduled” payments, use the Auto Schedule Report.
Rules for Auto ACH
- The primary repayment method must be set to “ACH” on the loan.
- The payment is scheduled for the next business day unless another specific date is set.
- The loan must not have a write-off date (write-off accounts must be queued manually).
- Auto ACH stops after a set number of consecutive R01 (NSF) returns (recommendation: 2).
- Loans with “Closed” or “Stop Payment” return codes require a successful ACH payment to restart auto processing.
- Customer must have a routing number and bank account number.
- Customer profile must not have “Block ACH” set.
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