--- title: ACH File Upload Schedule for Manual Bank Portal Submissions description: For customers whose banks do not support SFTP, PaymentWorks manually uploads ACH files to the bank portal. This article outlines the upload schedule, user access requirements, and other important guidelines. --- [Skip to content](https://help.paymentworks.com/knowledge-base/ach-file-upload-schedule-for-manual-bank-portal-submissions#main-content) [![PW Logo\_light\_Green\_ White](https://help.paymentworks.com/hs-fs/hubfs/2026%20PaymentWorks%20Brand%20Guidelines/PW%20Logo_light_Green_%20White.png?width=200&height=34&name=PW%20Logo_light_Green_%20White.png)](https://www.paymentworks.com/) - [Help Center](https://help.paymentworks.com/knowledge-base/how-to-use-the-paymentworks-knowledge-base) Open main navigation Close main navigation - [Help Center](https://help.paymentworks.com/knowledge-base/how-to-use-the-paymentworks-knowledge-base) - [Contact Support](https://help.paymentworks.com/contactsupport) [Contact Support](https://help.paymentworks.com/contactsupport?hsLang=en) Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://help.paymentworks.com/knowledge-base?hsLang=en) 2. [Payer Knowledge Base](https://help.paymentworks.com/knowledge-base/payer-knowledge-base?hsLang=en) 3. [Payments & Invoicing](https://help.paymentworks.com/knowledge-base/payer-knowledge-base?hsLang=en#payments-invoicing) # ACH File Upload Schedule for Manual Bank Portal Submissions ## For customers whose banks do not support SFTP, PaymentWorks manually uploads ACH files to the bank portal. This article outlines the upload schedule, user access requirements, and other important guidelines. #### **Manual ACH File Upload Schedule** 1. **ACH files are uploaded manually to your bank's portal on business days only.** Files are **not uploaded on U.S. bank holidays**. 2. **Ensure the Payer approves the ACH file in PaymentWorks by one of the following cutoff times (ET):** - **9:30 AM ET** → Uploaded at 9:30 AM ET - **12:30 PM ET** → Uploaded at 12:30 PM ET - **3:30 PM ET** → Uploaded at 3:30 PM ET 3. **Files approved after 3:30 PM ET** will be uploaded at **9:30 AM ET the next business day.** 4. **PaymentWorks must maintain a minimum of four authorized users** with access to upload ACH files to your bank portal to ensure **business continuity.** - **Payers are responsible for assisting with user management and updates** as required by PaymentWorks. 5. **PaymentWorks may charge a yearly fee** for this service, depending on terms outline in the **Payer's Master Services Agreement.** --- #### **Important Notes** - Approval time is based on when the **Payer Clicks Approve** in PaymentWorks, not when the file is created. - If your bank requires additional file formatting or steps within the portal, ensure those details are communicated with PaymentWorks. - Plan ahead for weekends and holidays to avoid payment delays. --- #### **Related Articles / Next Steps** - [**What is a Payment Instruction File (PIF)?**](https://help.paymentworks.com/knowledge-base/what-is-a-payment-instruction-file-pif?hsLang=en) - [**Payment Instruction File Tracker**](https://help.paymentworks.com/knowledge-base/payment-instruction-file-tracker?hsLang=en) - [**Payment Details Page Statuses**](https://help.paymentworks.com/knowledge-base/payment-details-page-statuses?hsLang=en) --- For more detailed guidance or support, please contact **[PaymentWorks Support](https://help.paymentworks.com/contactsupport?hsLang=en).**   - [Payee Knowledge Base](https://help.paymentworks.com/knowledge-base/payee-knowledge-base?hsLang=en#main-content) - 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