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Funding Schedule
Getting paid is what matters most. Credit card payments are deposited the next business day, while ACH payments typically take up to three business days—though in rare cases, they may take longer if the transaction is flagged for review.
It’s worth noting that funds are often deposited before the transaction fully clear on the processor’s end. ACH transactions, for example, can take over a week to clear, but you receive funds much sooner. This early funding is why risk mitigation measures are in place. Finance isn’t always as simple as it seems, but we make sure you get your money as quickly as possible.
Time to deposit
| Transaction type | Time of transaction | Deposited |
|---|---|---|
| Credit card | Before 9:00pm EST | Tomorrow |
| Credit card | From 9:00pm EST | In 2 business days |
| ACH/Bank transfer | Before 7:00pm EST | Within 3 business days |
| ACH/Bank transfer | From 7:00pm EST | Within 4 business days |
The ACH network is generally slower than other payment options. While Same Day ACH exists, not all banks and processors (including ours) support it yet.
To better understand the typical ACH timeline, here’s a general breakdown:
- Day 0 (Today): Request made to your client’s account
- Day 1: Funds debited from your client’s account and sent to the processor
- Day 2: Processor transfers funds to your bank
- Day 3: Funds deposited into your account
In some cases, this process may be expedited, and you could receive the deposit by Day 2. However, for planning purposes, expect ACH payments to clear by Day 3.
If you encounter any issues, please contact us.