Transaction Fees

Fees charged for sending and receiving payments

Airion avatar
Written by Airion
Updated over a week ago

Transfer types: Glossary

Same-Day ACH

At this time, only Direct Bill Pay loans are eligible for SD ACH

Regular ACH

All ACH transfers default to Regular ACH.

Billing Account

This is the billing company's (Reliant, AT&T, Toyota, etc) account.

Debit Card

Visa or Mastercard Debit Cards

Partner Account

A verified Zirtue billing partner

Service Fee

This one-time fee is paid to Zirtue by the Lender and repaid to the Lender by the Borrower on the agreed-upon repayment schedule.

Service fees and settlement timeline

Once the loan has been accepted by the receiver. The following service fee is charged to the sender.

Transfer Type

Settlement timeline

Service Fee

SD ACH โ†’ Partner Acct

1-2 business days

3% - 5%

Regular ACH โ†’ Regular ACH

3-5 business days

3% - 5%

Regular ACH โ†’ Debit Card

1-3 business days

3% - 5%

Debit Card โ†’ Debit Card

Same day

3% - 5%

Other Fees

Customer service (automated)


No fee to call our automated Customer Service line.

Customer service (live agent)


No fee to call a Customer Service agent.

Real-time alerts


No fee to receive real-time alerts on your phone. Standard text messages & data rates may apply.

Account statements


No fees for CSV copies of your account statements.

Transaction declined due to insufficient funds


No fees for declines due to insufficient funds.

Did this answer your question?