MCA Funders & ISOs

MCA Daily Debit Processing

Automated ACH repayment processing built specifically for merchant cash advance funders. GoACH handles high-volume daily debits, return monitoring, and NACHA compliance — so you can focus on deploying capital, not chasing payments.

15+

Years in MCA payments

Daily Debits

High-volume scheduling

Since 2010

Trusted MCA processor

Since 2010

Trusted MCA track record

Daily & Weekly

Flexible debit schedules

NACHA

Compliant infrastructure

Real Support

Dedicated account manager

How it works

ACH repayment processing designed for the MCA model

Merchant cash advance repayment is fundamentally different from standard ACH billing. You’re not collecting a single monthly payment from a customer — you’re debiting a merchant’s business bank account every business day, often across hundreds or thousands of active positions simultaneously. The failure tolerance is low, the return rate scrutiny is high, and NACHA compliance is non-negotiable.

GoACH was built from the ground up for this exact use case. Since 2010 we’ve been the ACH backbone for MCA funders running daily debit programs at scale. We understand the repayment model, the return rate pressures, the authorization requirements, and what it takes to keep a high-volume MCA ACH account in good standing long term.

Platform features

Everything you need to run MCA repayments at scale

Automated daily debits

Schedule recurring daily, weekly, or custom-frequency ACH debits across your entire MCA portfolio. Submissions go out automatically each business day.

Real-time return monitoring

Returns surface immediately with full R-code detail. Monitor your overall return rate against NACHA thresholds and get ahead of compliance issues before they escalate.

Batch file processing

Submit NACHA-formatted batch files for your full debit portfolio in a single upload. Ideal for funders running large books of business.

NACHA compliance tools

WEB debit authorization management, NOC handling, and return rate reporting to keep your account within NACHA’s administrative and unauthorized return thresholds.

Portfolio-level reporting

View transaction status, settlement, and return data across your entire book. Export by position, date range, or return code for reconciliation and collections workflows.

API & MCA Track integration

Connect GoACH directly to your MCA platform via REST API, or use the native MCA Track integration to automate debit scheduling from within your CRM.

Repayment structures

Flexible debit scheduling for every MCA repayment model

Different funders structure repayment differently. GoACH supports all common MCA repayment models out of the box:

Fixed daily debits — a set dollar amount pulled from the merchant every business day until the advance is repaid
Fixed weekly debits — larger pulls on a weekly schedule, common for merchants with predictable weekly revenue
Percentage-based debits — a percentage of daily deposits pulled via ACH, requiring integration with your reconciliation workflow
Custom schedules — bi-weekly, monthly, or irregular schedules for structured settlement or modified repayment agreements

Who we work with

Built for the full MCA funding ecosystem

Direct MCA funders running daily debit repayment programs
ISOs and brokers managing repayment on behalf of funders
Syndication partners tracking individual position payments
MCA software platforms needing embedded ACH via API
New MCA entrants setting up their first ACH account
Established funders looking to switch from an underperforming processor

Common questions

Frequently asked questions

What makes MCA daily debit processing different from standard ACH?

Standard ACH is typically one payment per month to a consumer. MCA daily debit processing involves debiting a business bank account every business day, often across hundreds of active positions simultaneously. The volume, frequency, and risk profile are fundamentally different — and require a processor with underwriting and infrastructure built for it.

What return rate limits apply to MCA ACH accounts?

NACHA sets a 15% overall return rate threshold and a 0.5% unauthorized return threshold (R05, R07, R10, R29, R51) for debit originators. MCA accounts often run close to these limits, which is why real-time return monitoring and proactive account management are critical. GoACH provides both.

Can I automate debit scheduling through an API?

Yes. GoACH offers a RESTful API that lets you create, schedule, modify, and cancel ACH debits programmatically. If you’re running MCA Track as your CRM, there’s a native integration that handles debit scheduling directly from your deal management workflow.

What SEC code is used for MCA repayment debits?

Most MCA repayment debits use the CCD (Corporate Credit or Debit) SEC code when debiting a business account. Some funders use PPD if debiting a sole proprietor’s personal account. The correct SEC code depends on the account type being debited and the authorization method — GoACH will confirm the right code during onboarding.

How quickly can we get set up?

Most MCA accounts are approved and live within 3–5 business days. We’ll need standard business documentation, your processing history if available, and details on your repayment model. Your account manager will walk you through the full list when you apply.

Ready to scale your MCA repayment processing?

GoACH has been the daily debit backbone for MCA funders since 2010. Fill out the form and get a decision within 3–5 business days.