TL;DR: Ach Transfer Not Showing Up — most cases trace to a config mismatch, a hidden assumption, or a step skipped during setup. The fix path below covers the high-percentage causes first. If you're still stuck after 10 minutes, text PJ — most issues answered in one reply. 858-461-8054.
Operator Problem Guide
Ach Transfer Not Showing Up
An ACH transfer that is not showing up in 2026 is almost certainly still in transit if it has been fewer than 3 business days for a credit (incoming money) or 5 business days for a debit. Weekends and federal holidays do not count as business days. Monday + 3 business days = Thursday, assuming no holidays.
Why This Happens
Configuration gaps between tools or services
Missing integrations or manual workarounds that weren't designed to scale
Changes in vendor behavior, pricing, or API that weren't communicated clearly
What To Check First
Verify your current setup matches the vendor's latest documentation
Look for recent changes — platform updates, new team members, configuration drift
Check if the problem is consistent or intermittent (different root causes, different fixes)
When To Escalate
The problem is costing you money or customers per week
You've spent more than 2 hours on it without progress
A vendor quoted you more than $500 and you're not sure if it's necessary
Dealing with this right now?
To track an ACH transfer: ask the sender for the 15-digit ACH trace number from their bank. Call your bank's ACH department (a different team than standard customer service) and give them the trace number — they can look up any ACH transaction in the Fed's system regardless of whether it has posted yet. If the trace number comes back as not found after 5 business days, the sending bank may not have successfully originated the transfer, and the sender needs to contact their bank.
