Funding schedule for card transactions
After you close your batch, we submit the transactions to the processors who send us the funds from the issuing banks. After we remove our fees, we deposit the funds into your bank account by Automated Clearing House (ACH).
The time it takes to deposit the funds into your bank account depends on your funding schedule:
- Next Day Funding – Close your batch before 11:45 PM Central Standard Time (CST) and we send the transactions for processing the next business day. You then receive your funds the following business day. Next Day Funding is the default funding schedule that we provide merchants at no additional cost.
- Money Express AM – Close your batch before 3:45 AM CST and receive your funds by the end of the same business day. Money Express AM is a paid option.
- Money Express PM – Close your batch before 6:45 PM CST and receive your funds the next business day. Money Express PM is a paid option.
After we send the funds to your bank account, you can use Payroc Insights to the view the details of the funds that we sent. For more information about how to view the details of the funds that we sent you, go to View your ACH deposits for card transactions in Payroc Insights.
Next Day Funding
With Next Day Funding, if you close your batch before 11:45 PM CST, we send the transactions for processing the next business day. You receive your funds the following business day.
| When you close your batch | Day we deposit funds |
|---|---|
| Monday before 11:45 PM CST | Wednesday |
| Tuesday before 11:45 PM CST | Thursday |
| Wednesday before 11:45 PM CST | Friday |
| Thursday before 11:45 PM CST | Monday |
| Friday before 11:45 PM CST | Tuesday |
| Saturday before 11:45 PM CST | Tuesday |
| Sunday before 11:45 PM CST | Tuesday |
Money Express AM
With Money Express AM, if you close your batch before 3:45 AM CST, you receive your funds the same business day.
| When you close your batch | Time we deposit funds |
|---|---|
| Monday before 3:45 AM CST | Monday evening |
| Tuesday before 3:45 AM CST | Tuesday evening |
| Wednesday before 3:45 AM CST | Wednesday evening |
| Thursday before 3:45 AM CST | Thursday evening |
| Friday before 3:45 AM CST | Friday evening |
| Saturday before 3:45 AM CST | Monday evening |
| Sunday before 3:45 AM CST | Monday evening |
Money Express PM
With Money Express PM, if you close your batch before 6:45 PM CST, you receive your funds the next business day.
| When you close your batch | Time we deposit funds |
|---|---|
| Monday before 6:45 PM CST | Tuesday morning |
| Tuesday before 6:45 PM CST | Wednesday morning |
| Wednesday before 6:45 PM CST | Thursday morning |
| Thursday before 6:45 PM CST | Friday morning |
| Friday before 6:45 PM CST | Monday morning |
| Saturday before 6:45 PM CST | Monday morning |
| Sunday before 6:45 PM CST | Monday morning |
Funding schedule for First Data merchants
If you're a First Data merchant and use the Money Express funding schedule, you must close your batch earlier because it takes longer for your batch to reach us for processing.
The batch cutoff times for First Data merchants are:
- Money Express AM – Close your batch by 7:45 PM CST.
- Money Express PM – Close your batch by 3:45 PM CST.