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

Times can vary for processing 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.