Enable $0 ACH, Here’s What That Really Means for Your P&L

If you’ve ever waited through a long weekend for funds to clear—or watched margins evaporate under “just the cost of collecting”—you already know where the real money leaks are in payments: time and tolls. Liftoff was built to erase both. In plain terms, we let you fund instantly, 24/7/365 via RTP and collect at $0 via ACH/debit pulls—then back it with identity controls so rejects and returns don’t claw it all back.

This isn’t a new rail for the sake of novelty. It’s a working-capital upgrade that compounds across finance, ops, and growth.

Why “Start RTP in 24 Hours” Matters

Real-time funding isn’t just faster settlement. It’s the difference between “we’ll send it Monday” and money in your counterparty’s account now, whether it’s 11:57 PM on Friday or noon on a holiday. That single change touches everything:

·       Conversion: In lending and B2B payouts, drop-off often happens between approval and funding. When funds hit instantly, funded-to-approved rates rise because intent never cools.

·       Working capital: Every business has a cost of capital. Shaving even 1–2 days off the cash conversion cycle (CCC) has a measurable value. If you fund $12M/month, saving 1.8 days at a 10% WACC is roughly $5.9k/month in float value—before you account for higher conversion.

·       Customer experience: Contractors, sellers, drivers, and merchants remember who pays them now. Instant settlement becomes a competitive edge for acquisition and retention.

And yes—we really do mean 24/7/365. No bank hours. No cutoffs.

What “Enable $0 ACH” Does to Your Unit Economics

Collections should be boring, reliable, and cheap. In most stacks, they’re none of those things. Network and per-item fees add up; NSF spirals add support tickets; and blended costs quietly chew margin.

With Liftoff, ACH and debit pulls are $0 (for the vast majority of receivables scenarios). Collect $9M/month? Eliminating a 0.45% blended fee plus $0.15 per item across 120k pulls is about $58.5k/month straight back to the P&L. That’s the kind of savings that moves EBITDA— not a rounding error.

Pair that with built-in identity and ownership checks and you don’t just pay less—you lose less:

·       Bank-ownership + account-status checks reduce hard returns (R02/R03).

·       NSF-smart retries curb R01/R09 loops.

·       Behavioral/device signals and OFAC screening lower dispute exposure.

If your pre-Liftoff loss rate was 0.38% and it drops to 0.22% on $9M collected, that’s another $14.4k/month kept.

For high-frequency dunning (subscriptions, MCA repayments, B2B installment plans), the compounding effect is substantial.

Compare at a Glance

 

One Stack, Fewer Headaches

Finance wants clean reconciliation. Ops want fewer tools and tickets. Risk wants audit trails.

Liftoff centralizes:

·       RTP disbursements with sensible defaults and fast limit expansion.

·       $0 receivables via ACH/debit pulls (with bank verification and intelligent retries).

·    Identity & compliance (KYC/KYB, OFAC, device signals, bank ownership) fully logged.

·       Accounting hooks (web hooks/exports) for real-time and month-end workflows.

·      Resilience: If RTP is unavailable, we fall back to same-day/next-day ACH credit; receivables continue on $0 ACH rails.

Many teams also consolidate third-party vendors and shave internal processing time. In our typical model, clients save $13k/month in ops/tooling alone.

A Simple, Defensible ROI

You don’t need a PhD spreadsheet to validate the switch; four levers capture it:

1.     Working-capital lift from instant funding

Float Value = Daily Throughput × Days Saved × WACC / 365

2.     Collections cost reduction from $0 ACH/debit

Savings = (Old Blended % × Volume) + (Old Per-Item × #Pulls) – Liftoff Cost

3.     Loss avoidance via lower rejects/returns

Loss Savings = (Old Loss Rate – New Loss Rate) × Volume

4.     Operational savings from vendor consolidation + fewer handoffs

Ops Savings = Old Ops Cost – New Ops Cost

Using the example figures above, clients routinely see ~$92k/month in combined benefit (~$1.1M/year)—and many recoup the entire changeover in 30 days just from $0 collections.

Implementation Without the Drama

·   Go-live speed: Most teams start RTP within a day because we handle bank connectivity and scheme rules.

·     Risk comfort: Identity, OFAC, bank ownership, and velocity controls are first-class features, not add-ons.

·   Limits & scale: Start with conservative caps; we scale them quickly with real performance data.

·    Data clarity: Every event—fund, collect, retry, return—has a clean, auditable footprint and drops into your GL.

The Bottom Line

“Start RTP in 24 Hours” means approvals turn into funded customers while intent is hot. “Enable $0 ACH” means your receivables stop taxing your margin. Layer in identity-led loss controls and a simpler stack, and you don’t just improve payments—you upgrade the business.

If you’re evaluating the switch, bring three numbers to the table—monthly funding, monthly collections, and your current loss/fee profile. We’ll map them to your model so finance can sign off with confidence.