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Hello there, @charlie35.
Let me share the funding time for merchant transactions.
Generally, credit card payment deposits take one to two business days. For bank transfer (ACH) payment, it will take two to five business days.
To know more about the deposit times, you may check out this article: Find out when QuickBooks Payments deposits your money.
If the payment hasn't been deposited after five business days, I'd recommend contacting our Merchant Services Customer Support Team. They have the tools to help you check the deposit status.
I've added this article for more details: Deposits FAQ.
Tag my name in the comment section below if you have other concerns. I'd be happy to assist you further. Take care and have a wonderful day.