ACH Payment Flow & Processing Times

ACH Payment Flow

ACH payments can take up to several days to receive acknowledgement of success or failure.

1. A Billing Run is generated and posted.
2. A Payment Run is generated for an invoice with ACH as the default method.
3. Once the Payment Run completes, the invoice is marked as Paid and lists the payment in Pending status.
4. After 2-5 days, a final response is received from the gateway: 
1. If the payment is successful, the payment status is Processed. 
2. If the payment fails:
1. The status is Failed.
2. The invoice status changes to Posted again.
3. The attempted payment is no longer listed under the invoice.

ACH Processing Times

Credit card payments are processed in real time and will return success or failure notifications immediately. Unlike credit card processing, ACH payment processing is not instantaneous and can take 4 or more days to complete. 

Read more for specific processing times:

• Stripe
• CardConnect