Payin cutoffs times
To be included in each day's batch of payins, a payin needs to be initiated by:
9pm ET for ACH
11pm ET for cards
Deposit timing
Deposits are created on each US banking day, for each merchant who has payment volume that has been released.
In general, release times are:
Card processing: T+1, meaning that funds are released the first banking day after the day of its batch.
ACH: T+2 to T+4, meaning that funds are released between two and four days after the batch.
Let's look at an example for a merchant configured for T+1 on cards and T+2 for ACH. Their payments on Thursday evening would be deposited on as following:
Payin time | Payin method | Deposited on |
Thursday at 8pm | Card | Friday |
Thursday at 11:30pm | Card | Monday |
Thursday at 8pm | ACH | Monday |
Thursday at 10pm | ACH | Tuesday |
Contact support if you have further questions about deposit timing or the release times.