Troubleshootingmerchant
Funding settlement delayed
Common causes for late deposits and where to check.
Symptom
Settled volume from yesterday has not landed in your bank today.
Causes
- Bank cutoff — settlements after 5pm ET typically deposit the next business day.
- Weekend or US Federal Reserve holiday — ACH does not move.
- Reserves applied — risk-driven holds appear in Reports → Funding.
- Updated bank account verifying — micro-deposits in progress.
Where to check
Open Reports → Funding for a per-batch status with expected and actual deposit dates.