ACH payments typically take 3–5 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.
Note: While ACH payments typically clear within 3–5 business days, the total processing time can extend up to 7 business days due to weekends, holidays, or bank-specific delays.
Bank transfers have less than a 1% failure rate, so we mark them as paid immediately after they start processing. This will appear in your received payments report as a successful payment.
If a "Paid" deposit has not appeared in your bank account, it may be due to your bank's processing schedule. The "Paid" status indicates the deposit has been released to your bank, but additional time may be required for the funds to post. If the deposit doesn’t appear by the end of the day, check with your bank for further details.
ACH Failures
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.
Common reasons for ACH failures include invalid or inaccurate account details (e.g., "No Bank Account/Unable to Locate"), insufficient funds, or bank declines during the clearing process.
Note: there is a $7.50 fee associated with failed bank transfers so we do not automatically re-attempt failed bank transfers. We recommend you contact the patient to determine why this payment may have failed.
Additionally, the payer should re-enter their payment information or provide valid account details to resolve the issue.