How long does it take to process a credit card vs. ACH payment?

When you accept payments via ACH or Card, understanding when you’ll receive your funds is essential for managing your cash flow.

Standardly, both ACH and Card transactions follow what we call a T+2 timeline or Transaction Day +2.

Here’s a breakdown of what to expect from our standard processing timeline.

Our system follows a T+2 processing model, which stands for Transaction Day + 2 business days. This means:

T (Transaction Day): The day a transaction is authorized.
- Your authorization timeline may be impacted if you have transaction batching and voids enabled which dictates when your transactions will be sent for authorization.
+2 Business Days: Two business days after authorization, a payout is initiated.

So, if a transaction is authorized on a Monday:

Note: After the same-day ACH payout, your acquiring bank determines how soon the funds appear in your account. This timing may vary by bank.

If you need assistance or have any further questions, please click here to contact our support team.

Learn more below to gain an understanding of processing times for ACH & Card transactions.