Payment Processing Timelines for ACH and Credit Card Transactions

Payment Timing & Processing timelines differ for ACH and Credit Card.

Batch Cut-off Time: 9:30 PM ET
Same day Settlement Timing:
- Transactions processed before cut-off typically credited to your bank account within 1 business days (Day 1) from the date of payment.
- Transactions processed after cut-off typically credited to your bank account within 2 business days (Day 2) from the date of payment.
Same-day payouts have a daily limit of $100,000.00. Any amount that exceeds this threshold will require an additional day.

Batch Cut-off Time: 6:30 PM ET
Settlement Timing:
- Transactions processed before cut-off are typically credited to your bank account within 3 business days (Day 3) from the date of payment
- Transactions processed after cut-off are delayed by one day and settle on Day 4 from the original payment date
- Payments over $1 require an additional day.
  - Transactions processed before cut-off are typically credited to your bank account within 4 business days (Day 4) from the date of payment
  - Transactions processed after cut-off are delayed by one day and settle on Day 5 from the original payment date

Timelines exclude weekends and bank holidays.

💡 To get started setting up online payment capabilities, check out our guide: Enable and Configure Online Collections Payments

Understand the differences in processing times and cut-off schedules for ACH and credit card payments in Centime, including payout timing and settlement delays.