How fast you get paid, and what that depends on.

Three speeds

• Standard, two to three business days. What most card companies do, including the big names. You take the money Monday. It shows up Wednesday or Thursday. Weekends and holidays stretch it.
• Next day. You close out at night and the money is in your bank the next business day.
• Same day. You close out at night and the money is in your bank the same business day. This is the fastest there is. It is what Pacta merchants are on, on most accounts.

Why the wait costs you

You cannot use money that is still on its way. Payroll, stock, rent: all of it waits on money you already earned. On a busy counter, the gap between three days and same day can be thousands of dollars freed up at any moment. Slow money is also why shops end up paying for short-term loans to cover gaps they should not have.

The word that matters is "cutoff"

Every funding promise has a cutoff: a time of night your terminal has to be closed out by. Beat it and your money moves on the fast schedule. Miss it and you are quietly on the slow one, whatever the program is called. Ask any card company one question: what is my cutoff, and what happens if I close after it? A straight answer is easy to give.

For most counters the cutoff is not hard to beat, because it falls late and you close before it. What catches people out is forgetting to close out at all. A terminal left open overnight has not sent anything to the bank. Close out every night. The Pacta terminal does it on its own.

Weekends and holidays

Money does not move on weekends or bank holidays, anywhere. Friday and Saturday sales land on Monday on most accounts. Anyone who promises otherwise is promising something they do not control.

What we promise, and what we do not

We will not quote you a clock time, and you should be careful with anyone who does. What time your money lands depends on your bank. What we will tell you is the schedule your account is on, in writing, before you sign. Same business day on most accounts. Ask on the call and we will show you.