The short answer
Money moves after your batch closes and passes the acquirer's cut-off. Batch before the cut-off and funds typically arrive the next business day. Batch after it and you have joined the following day's cycle — which is why identical transactions sometimes fund a day apart.
Get the cut-off in writing
The single most useful settlement fact is your exact cut-off time and time zone. It should appear in your agreement, not be discovered after a slow weekend.
Weekends and holidays
Banking days, not calendar days, drive settlement. Friday-to-Sunday batches usually land Monday unless same-day funding is enabled.
Key takeaways
- Batch before the cut-off, automatically, every day
- Get cut-off time and time zone in writing
- Settlement runs on banking days
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