ACH payments can take up to 5 business days to complete the 'clearing' phase. The funds will then be made available in your bank account within 48 business hours of the payment completing the clearing phase.
Bank transfers have less than a 1% failure rate, so we mark them as paid immediately after they are processed. This will appear in your received payments report as a successful payment.
If the ACH transfer fails within the next 5 days, you will see this as a refund within your received payments report even though this is not a refund initiated by a user.
Note: there is a $1 fee associated with failed bank transfers (25c for initial transfer and 75c failure fee) so we do not automatically re-attempt failed bank transfers. We recommend you contact the patient to determine why this payment may have failed.