Gain an understanding of the payment settlement process and estimated timelines
The Steps of a Payment
- Authorized
- Settled
- Payout (Funding)
ACH
ACH payments typically settle within 1-2 business days after authorization and payout the day after settlement. Overall the process can take 3-4 days from authorization. This timeframe is estimated and can vary depending on bank processing times and weekends or holidays.
Card
Visa & Mastercard usually settle on the same day as authorization and payout the day after settled status. American Express & Discover can take 2-3 business days to settle and payout the day after settled status. This variance in settlement times is influenced by the processing systems of each card network.
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