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Dash Cash is a funding account inside your Dash.fi dashboard that gives you real-time control over your available credit. Pre-load funds into Dash Cash and pay down your credit line instantly — within seconds of confirming — instead of waiting for a bank transfer to settle. That matters during high-volume periods like Black Friday or Cyber Monday, when your campaigns can’t afford a stalled credit line. Dash Cash is available on all net terms, including Net 1. You can pre-fund Dash Cash and use it to instantly pay down your credit line and release available limit — including on weekends.

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Dash Cash on Net-1 accounts

Net-1 customers can fully use Dash Cash: add funds, pay down the credit line instantly, and see available limit released in seconds. The only difference on Net-1 is around the ACH “Make Payment” flow on the credit line:
  • The Make Payment button in the dashboard header is hidden on Net-1 accounts.
  • Manual ACH payments from a connected bank account against the credit line are not supported on Net-1 (that flow is reserved for Net 7 and above).
  • Dash Cash paydowns are supported on Net-1. Net-1 customers can trigger a Dash Cash payment from Spend → Payments → Scheduled (see Making an instant payment below).
If you’re on Net-1 and want a higher spend limit outside of Dash Cash, the path is to go back through underwriting. Underwriting will determine whether your limit can be increased, and options may include:
  • Posting collateral — similar in concept to Dash Cash, but the funds are held as collateral and cannot be transferred out while they back the limit.
  • Linking a separate bank account with a stronger balance to support a higher limit.
  • Other underwriting-approved paths based on your account’s financial profile.
Contact support at support@dash.fi or your account manager to be routed back through underwriting.

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Adding funds to Dash Cash

1

Open Financial Accounts

Log in to app.dash.fi and click Financial Accounts in the left-hand navigation. You’ll see three accounts listed: Dash Cash, Secured Rewards, and Collateral Reserve.
2

Select Dash Cash

Click on the Dash Cash account to open the account detail view.
3

Click Add Funds

Select Add Funds to open the funding method selection screen.
4

Choose your funding method and complete the transfer

Select one of the three available funding methods and follow the instructions for that method (detailed below).

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Funding methods

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ACH transfer from connected bank account

1

Select Connected Bank Account (ACH)

Select the Connected Bank Account (ACH) option from the funding method list.
2

Choose your bank account

Select the bank account you want to pull funds from. Only accounts already linked to your Dash.fi profile will appear.
3

Enter amount and confirm

Enter the dollar amount you want to transfer and click Add Funds to submit the request.
Processing time: 3–5 business days

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Domestic wire transfer

1

Select Domestic Wire

Select the Domestic Wire option. You’ll see unique wire instructions specific to your account.
2

Copy the memo line exactly

Before sending the wire from your bank, copy the memo line exactly as shown. The memo is used for automated matching and settlement — an incorrect or missing memo will delay the posting of your funds.
3

Initiate the wire from your bank

Use the provided routing number, account number, and memo to send the wire from your business bank account.
The memo line on a domestic wire is critical. An incorrect memo will prevent auto-settlement and may significantly delay your funds being credited to Dash Cash.
Processing time: 1–2 business days (wire must be received by 2:00 PM ET on a business day to post same day; wires received after the cutoff post the following business day)

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International wire transfer

1

Select International Wire

Select the International Wire option and pick your sending currency from the dropdown.
2

Use the provided wire instructions

You will receive unique wire instructions including a SWIFT code for international routing. Use all provided fields exactly as shown when initiating the transfer from your international bank.
Processing time: 1–2 business days

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Key reminders about Dash Cash

ACH transfers take 3–5 business days, and wire transfers take 1–2 business days. For a major campaign launch, sale, or seasonal push, add funds to Dash Cash several days in advance so your balance is ready when you need it.
Once your Dash Cash balance reflects the deposited amount, those funds are available to pay down your credit line instantly — no additional delay at the time of payment.
Dash Cash funds are fully liquid at all times. If you decide you don’t need the funds for a credit line paydown, use the Transfer Funds option to withdraw the balance back to your connected bank account.

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Making an instant payment

Once you have funds in your Dash Cash account, paying down your credit line takes only a few seconds.
1

Open the Make Payment dialog

  • Net 7 and above: click the Make Payment button in the dashboard header — it’s visible at the top of the page in any section.
  • Net 1: the header Make Payment button is hidden. Go to Spend → Payments → Scheduled and click Make payment there.
2

Select Dash Cash

When prompted to choose a payment source, select Dash Cash.
3

Enter the payment amount

Enter the dollar amount you want to apply toward your credit line balance.
4

Click Continue and confirm

Click Continue, review the details, and confirm the payment.
Your account limit releases instantly and your available Dash Cash balance drops within seconds of confirmation.
Make Payment applies to your most recent day of spend first, working backwards through your outstanding balances. It doesn’t pay down a general balance — it settles the newest daily charges first.
You must have sufficient funds already in your Dash Cash account to complete an instant payment. The payment will not process if your Dash Cash balance is lower than the amount you are trying to apply.

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Schedule a payment to free up your credit limit

If you don’t have funds in Dash Cash and you’re on Net 7 or above, the fastest way to free up your credit limit is to schedule an ACH payment directly from your connected bank account. When the payment is set to process on a given business day, Dash.fi releases the associated amount on your credit limit that same morning (typically between 7–9 AM ET) — you don’t have to wait the 3–5 business days for the ACH to clear.
Scheduled ACH payments against the credit line are not available on Net 1 accounts. Net-1 customers should pre-fund Dash Cash and pay down instantly from there.
This is usually the simplest path when you need spending capacity back quickly and haven’t pre-funded Dash Cash.
A wire sent to your Dash Cash account credits the balance only when the wire is received, then needs to be applied to the credit line. For next-business-day limit relief, a scheduled ACH from your connected bank account is faster and simpler.

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Ways to schedule a payment

There are two places in the dashboard to schedule a manual ACH payment:
  1. Go to app.dash.fi/payments/scheduled.
  2. Find the upcoming payment or spend date you want to address and click Make Payment for that date.
  3. Confirm the pay-from account and scheduled date, then submit.
  1. In your Dash.fi dashboard, click Make Payment in the credit balance card on the dashboard header.
  2. Select Connected Bank Account (ACH) as the source.
  3. Enter the amount you want to pay and choose the scheduled processing date.
  4. Review and confirm.
Schedule the payment for the next business day to release limit the following morning. Selecting today after the ACH cutoff will roll the processing date forward.

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How scheduled ACH compares to other paydown options

Three timelines over five business days comparing when a limit is released against when funds settle. A Dash Cash paydown releases limit in seconds with funds already settled. A scheduled ACH releases limit the next morning between 7 and 9 AM ET while funds settle in three to five business days, and is available on Net 7 and above only. A wire into Dash Cash settles in one to two business days, and the limit is released once the wire posts and you apply it.

Getting your limit back and the money clearing are two separate clocks. The gap between them is the point.

There’s no way to pay your credit line directly by wire. Make Payment offers two sources — Dash Cash and a connected bank account by ACH. A wire is a way to fund Dash Cash, and you pay down from there.
Make sure your connected bank account has sufficient funds on the scheduled date. A returned ACH can lead to a bounced payment — see Bounced payments for what happens next.

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Need help?

For assistance with Dash Cash, funding methods, or instant payments, contact support at support@dash.fi or reach out to your account manager.