eCheck (ACH) Disbursement Timeline

Standard ACH Funding

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.

Merchant can usually expect the money to hit their bank account two days after the deposit. Exact timing on when the money hits the merchant account may be delayed if the merchant’s bank delays the release.