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Standard ACH transactions generally have a 1-5 day delay in hitting the merchants bank account.
Since eCheck transactions can have a 1-5 day delay the tables below indicate what we typically see in Payrix for a one-day delay after the transaction batch date (assuming 100% daily disbursements is setup). Based on this the merchant can expect to see the funds in their bank account the morning after the withdrawal goes out.
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Transaction Batch Date (Batch Cut-Off - 9:30PM ET) | Withdrawal/Payout Date (Withdrawal Cut-Off - 6PM ET) | Merchant Account Deposit Date (Before Batch Cut-off) | Merchant Account Deposit Date (After Batch Cut-off) |
|---|---|---|---|
Monday | Tuesday | Thursday morning | Friday morning |
Tuesday | Wednesday | Friday morning | Monday morning |
Wednesday | Thursday | Monday morning | Tuesday morning |
Thursday | Friday | Tuesday morning | Wednesday morning |
Friday | Monday | Wednesday morning | Thursday morning |
Saturday | Monday | Wednesday morning | Thursday morning |
Sunday | Monday | Wednesday morning | Thursday morning |
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