When your payment arrives depends on which payment and delivery method was selected when scheduling the payment. Understanding delivery timelines helps you plan your payments and ensure vendors receive funds when expected.
This guide covers:
- Delivery timelines for different payment methods
- Factors that may affect payment delivery
- Tips for faster payment processing
Delivery timelines
Below you can find delivery timelines for different payment and delivery method combinations. For faster delivery, consider using an ACH bank transfer:
| Payment Method | Delivery Method | Delivery Time | Processing Cutoff |
| Bank Account | Paper Check (USPS) | 5-7 business days | Payments scheduled until 9 pm ET / 6 pm PT are processed that day |
| Fast Check (FedEx) | 3 business days | Payments scheduled until 2 pm ET / 11 am PT are processed that day | |
| ACH Bank Transfer | 3 business days | Payments scheduled until 9 pm ET / 6 pm PT are processed that day | |
|
Same-day ACH Transfer* (Fastest Option) |
Same business day | Any payments submitted before 2 pm ET / 11 am PT are processed that day. | |
| Wire transfer (domestic payments) | 3 business days | Any payments submitted before 6 pm ET / 3 pm PT are processed that day. | |
| Same-day Wire transfer (domestic payments)* | Same business day | Any payments submitted before 6 pm ET / 3 pm PT are processed that day. | |
| Single-use Virtual card | Up to 3 business days | - | |
| International payments in USD |
Regular: 4-5 business days Fast: 1-3 business days |
Any payments submitted before 9 pm ET / 6 pm PT are processed that day. | |
| International payments in Foreign currency | 0-4 business days | Any payments submitted before 9 pm ET / 6 pm PT are processed that day. | |
| Credit Card | Paper Check (USPS) | 5-7 business days | Payments scheduled until 9 pm ET / 6 pm PT are processed that day |
| Fast Check (FedEx) | 3 business days | Payments scheduled until 12:15 pm ET / 09:15 am PT are processed that day | |
| ACH Bank Transfer (Fastest Option) | Same business day | Payments scheduled until 2 pm ET / 11 am PT are processed that day | |
| Wire transfer (domestic payments) | Same business day | Any payments submitted before 6 pm ET / 3 pm PT are processed that day. | |
| International payments in USD** |
Regular: 2-3 business days Fast: 1-3 business days |
Any payments submitted before 2 pm ET / 11 am PT are processed that day. | |
| International payments in Foreign currency** | 1-2 business days | Any payments submitted before 2 pm ET / 11 am PT are processed that day. |
* Each payment is subject to eligibility requirements and limitations. If you don’t see these payment options when making a payment, they are unavailable.
** If you make an international payment via card, it can only be made using Visa or Mastercard.
Any payments submitted after the processing cutoff time will start processing the following business day. Payments exceeding $100,000 may take additional time to process.
Factors that may affect payment delivery
Several factors can impact when your payment arrives:
Federal holidays
Federal holidays may cause USPS delivery delays when sending checks. When choosing your delivery date, federal holiday dates will be blocked on the CashFlow Central calendar. We recommend scheduling payments earlier during holiday periods to ensure timely delivery.
First-time vendor payments
When submitting a payment to a vendor for the first time, we may need extra time to review the payment for compliance and security. Schedule these payments in advance to avoid delays.
Invoice attachments
We recommend attaching an invoice whenever possible to prevent compliance delays. Including invoice documentation helps streamline the review process.
Large ACH payments
Bank account ACH payments exceeding $100,000 are delivered within 4 business days instead of the standard 3 business days.
Weekend and holiday processing
Payments are only processed on business days (Monday through Friday, excluding federal holidays). Delivery times don't include weekends or holidays.
Tips for faster payments
- Schedule before cutoff times: Submit payments before the daily processing cutoffs to ensure same-day processing.
- Plan for holidays: Schedule important payments well in advance of federal holidays and long weekends.
- Include invoices: Attach invoice documentation to help prevent compliance review delays.
- Set up vendors in advance: Add new vendor information ahead of when you need to pay them to avoid first-payment review delays.
Need to track your payments?
CashFlow Central provides real-time payment tracking tools to help you monitor your payment status. You can view payment progress and delivery confirmations directly from your dashboard to stay informed about when your vendors will receive funds. To learn more about tracking your payments, please see the following guide.
That's it! Understanding these delivery timelines and factors helps you plan your payments effectively and ensure your vendors receive funds when expected.