Merchant Services

Understanding Merchant Funding

After your customer has made a purchase and it has been authorized and settled, it can be funded. Funding happens when the payment brands such as Visa® or MasterCard® reimburse us for your customer transaction, allowing us to send these funds to you.

Funding Weekends and Holidays

Note that funding does not occur on weekends and on certain holidays, particularly federal banking holidays. The U.S. bank holidays for 2017 are as follows:

  • New Year's Day Monday, January 2, 2017
  • Martin Luther King Jr. Day Monday, January 16, 2017
  • Presidents Day Monday, February 20, 2017
  • Memorial Day Monday, May 29, 2017
  • Independence Day Tuesday, July 4, 2017
  • Labor Day Monday, September 4, 2017
  • Thanksgiving Day Thursday, November 23, 2017
  • Christmas Day Monday, December 25, 2017

Although it is not possible to guarantee a specific fund delivery timeframe due to a number of issues, generally, you will receive your funds within two business days.