I'm here to ensure the payment will reflect in your checking account, learlauren.
When starting to process or receive payment for the first time, it takes five (5) business days to deposit your funds since we're still setting up your merchant account. Once done, your payments will be faster. It would be 1-2 business days for credit card payments and 2-7 days for ACH.
If a deposit is on hold, it indicates a flagged item in the batch, triggering an investigation by our Risk Management Team on your behalf.
A deposit may be on hold for various reasons, primarily from two causes.
- Security concerns with one or more transactions in the deposit
- The deposit exceeds a predefined account threshold (approved monthly amount or average individual charge)
You can also prevent future holds or reviews by avoiding unusual activities that include:
- Changes in your average transaction amount or processing pattern
- Monthly percentage of different transaction types
- Excessive Chargebacks.
If a transaction is on hold, you'll receive an email at your Merchant Service Center email address with detailed resolution instructions.
For more details, check this link: Why Are My Funds On Hold?
On your Merchant account, you can track the payments made by your customers for you to review.
Here's how:
- Sign in to the Merchant Service Center from a web browser.
- Go to the Activity & Reports tab.
- Choose Transactions.
- In the Transactions page, click >Show advanced options.
- Go to the Card section and enter the Cardholder name, which is your customer's name.
- Hit the Search button at the bottom.
On that page, all the transactions made will show up.
You can also reach out to our Merchant Support Team. They can review the transaction and give you updates. Here's an article as a guide: Contact Payments or Point of Sale Support.
I'm attaching some articles below which you may find helpful:
I'm just a comment away if you need further assistance handling payments deposited to your account. Don't hesitate to post here again by replying to this thread or starting a new one.
