> ## Documentation Index
> Fetch the complete documentation index at: https://help.dash.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Dash Cash

> Add funds to Dash Cash via ACH, domestic wire, or international wire, then instantly pay down your Dash.fi credit line in seconds — no waiting.

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. Any customer can pre-fund Dash Cash and use it to instantly pay down their credit line and release available limit — including on weekends.

### 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 the **Scheduled Payments** tab (see [Making an instant payment](#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@dash.fi](mailto:support@dash.fi) or your account manager to be routed back through underwriting.

## Adding funds to Dash Cash

<Steps>
  <Step title="Navigate to the Accounts tab">
    Log in to [app.dash.fi](https://app.dash.fi) and click on the **Accounts** tab in the main dashboard navigation. You will see three accounts listed: **Dash Cash**, **Secured Rewards**, and **Collateral Reserve**.
  </Step>

  <Step title="Select Dash Cash">
    Click on the **Dash Cash** account to open the account detail view.
  </Step>

  <Step title="Click Add Funds">
    Select **Add Funds** to open the funding method selection screen.
  </Step>

  <Step title="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).
  </Step>
</Steps>

## Funding methods

### ACH transfer from connected bank account

<Steps>
  <Step title="Select Connected Bank Account (ACH)">
    Choose the **Connected Bank Account (ACH)** option from the funding method list.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Enter amount and confirm">
    Enter the dollar amount you want to transfer and click **Add Funds** to submit the request.
  </Step>
</Steps>

**Processing time:** 3–5 business days

### Domestic wire transfer

<Steps>
  <Step title="Select Domestic Wire">
    Choose the **Domestic Wire** option. You will be presented with unique wire instructions specific to your account.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Initiate the wire from your bank">
    Use the provided routing number, account number, and memo to send the wire from your business bank account.
  </Step>
</Steps>

<Warning>
  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.
</Warning>

**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)

### International wire transfer

<Steps>
  <Step title="Select International Wire">
    Choose the **International Wire** option and select your sending currency from the dropdown.
  </Step>

  <Step title="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.
  </Step>
</Steps>

**Processing time:** 1–2 business days

## Key reminders about Dash Cash

<AccordionGroup>
  <Accordion title="Fund early before busy spending periods">
    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.
  </Accordion>

  <Accordion title="Funds are instantly available once balance refreshes">
    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.
  </Accordion>

  <Accordion title="Funds are never locked">
    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.
  </Accordion>
</AccordionGroup>

## Making an instant payment

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

<Steps>
  <Step title="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 the [Scheduled Payments tab](https://app.dash.fi/payments/scheduled) and click **Make Payment** there.
  </Step>

  <Step title="Select Dash Cash">
    When prompted to choose a payment source, select **Dash Cash**.
  </Step>

  <Step title="Enter the payment amount">
    Enter the dollar amount you want to apply toward your credit line balance.
  </Step>

  <Step title="Click Continue and confirm">
    Click **Continue**, review the details, and confirm the payment.
  </Step>
</Steps>

Your **account limit releases instantly** and your available Dash Cash balance drops within seconds of confirmation.

<Note>
  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.
</Note>

<Tip>
  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.
</Tip>

## 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.

<Note>
  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.
</Note>

This is usually the simplest path when a customer needs spending capacity back quickly and hasn't pre-funded Dash Cash.

<Note>
  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.
</Note>

### Ways to schedule a payment

There are two places in the dashboard to schedule a manual ACH payment:

<AccordionGroup>
  <Accordion title="From the Scheduled Payments tab">
    1. Go to [app.dash.fi/payments/scheduled](https://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.
  </Accordion>

  <Accordion title="From the Make Payment button">
    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.
  </Accordion>
</AccordionGroup>

<Tip>
  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.
</Tip>

### How scheduled ACH compares to other paydown options

| Method                                        | Limit released                             | Funds settle      |
| --------------------------------------------- | ------------------------------------------ | ----------------- |
| **Scheduled ACH from connected bank account** | Morning of the scheduled processing date   | 3–5 business days |
| **Make Payment from Dash Cash**               | Instantly, in seconds                      | Already settled   |
| **Wire to Dash Cash, then pay down**          | When wire posts and you click Make Payment | 1–2 business days |

<Note>
  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](/payments/bounced-payments) for what happens next.
</Note>

## Need help?

For assistance with Dash Cash, funding methods, or instant payments, contact [support@dash.fi](mailto:support@dash.fi) or reach out to your account manager.