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How long does it take for ACH transactions to settle and pay out?

Times can vary for processing ACH transactions. Here are some estimates to provide you peace of mind.

The Steps of a Payment

  1. Authorized
  2. Settled
  3. Payout 

Estimated Payout Time

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.

🕒 What is the T+2 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:

  • The payout is initiated on Wednesday (assuming no bank holidays).
  • Funds are sent via Same Day ACH.

    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.

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