Payin cutoff 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
In this support article, ("T") refers to the transaction date unless otherwise stated
Deposit timing
Card transactions are deposited into the your bank account on the following business day (T+1) while ACH transactions are deposited four business days following the transactions (T+4).
Additionally - ACH transactions are not processed over weekends or banking holidays, which means the Transaction Date (“T”) does not equal the date of the purchase for transactions initiated on a Saturday, Sunday, or banking holiday. Instead, on Saturdays, Sundays, and banking holidays, “T” will equal the next business day after the ACH was initiated in those cases.
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 take a look at some transaction examples and their associated deposit date below.
Card Transactions (T+1) - 11pm ET Cutoff
Transaction Date (T) | Deposit (T+1) |
Monday | Tuesday |
Tuesday | Wednesday |
Wednesday | Thursday |
Thursday | Friday |
Friday | Monday |
Saturday | Monday |
Sunday | Monday |
ACH Transactions (T+4) - 9pm ET Cutoff
Transaction Date (T) | Deposit (T+4) |
Monday (Includes Transactions entered on Saturday, Sunday, or Monday) | Friday |
Tuesday | Monday |
Wednesday | Tuesday |
Thursday | Wednesday |
Friday | Thursday |
Note: Holidays may delay your payout deposits. These payins will be included in your next scheduled payout deposit.
For a list of bank holidays, click here.
Contact support if you have further questions about deposit timing or the release times.