Timing
Bank-to-bank payments typically take up to 5 business days to complete. However, merchants may receive an early payout before the payment is fully processed, depending on their specific payout speed.
| PAYOUT SPEED | DAY 1 | DAY 2 | DAY 3 | DAY 4 | DAY 5 |
|---|---|---|---|---|---|
| T+0 | Payment initiated | Payout initiated | - | - | Payment completed |
| T+1 | Payment initiated | - | Payout initiated | - | Payment completed |
| T+2 | Payment initiated | - | - | Payout initiated | Payment completed |
FAQ
Why is the status of my ACH payment still pending after it has been paid out?
Even though funds are available, the payment may still be returned. For this reason, we initially set the status topending when the payment intent is confirmed. If the payment isn't returned, the status will update to succeeded on the sixth business day at approximately 6:00 AM ET.