Instant, Same Day & Next Day Funding Options

For business owners, cash flow and timely funding are vitally important. You need continuous access to funds to pay your bills, meet payroll demands and keep your business moving forward. Leap Payments offers several merchant service funding options to transfer funding from your payment processing account into your bank account; Standard ACH funding, next day funding, same day funding and instant funding.

Turn Some Day Into Same Day And Get Funded Faster

By working with a merchant service provider that provides the fastest processing funding options, you’ll have the immediate cash flow needed to keep business going.

  • Convert sales directly into positive account revenue in record time
  • Use your merchant bank account to meet monetary obligations
  • Available funding for large inventory orders & outstanding invoices
  • Gain flexibility to better manage the financial ups and downs of operating a business
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Standard ACH Funding

ACH funding for merchant accounts takes 2-3 day for bank account funding for your credit card processing. There are no dollar amount limits and typically no associated fees. Standard ACH funding comes with all Leap Payments merchant accounts by default and serves most business types well.

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Same Day Funding

For merchants that need funding after normal cut-off-times, same day funding allows for batches settled before 6:00 am to be funded the same day. Also known as Fast Track Funding. This offers the best in funding benefits for bars, restaurants, nightclubs, taxi cabs and convenience stores. Learn More >

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Next Day Funding

The go to funding option for businesses that settle their batches at the end of the business day before 10:00 pm. As long as batches are settled before the cut-off time, funds will be ready to use the very next business day. This means you can receive your payment processing funds in as little as 8 hrs. Learn More >

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Instant Funding (Fast Access)

The newest services offered for businesses that need their funds, now. No batch cut-off-times, receive batch deposits in less than 5 hours, initiate deposits on the weekend and on holidays. Settle batches from your terminal or point of sale, the same way you usually do. No special equipment required. Learn More >

We Also Offer High Risk Merchant Accounts

Merchant services for businesses deemed “too risky” to offer services to. We approve industries that get declined and closed by other providers. With over 15 partnering banks, we have made it our goal to become experts in your industry and find suitable and sustainable sources for your business to process. To learn more about our high risk credit card processing, review our in-depth page here: high risk merchant accounts, or give us a call at (800) 993-6300.

We Also Offer High Risk Merchant Accounts

Merchant services for businesses deemed “too risky” to offer services to. We approve industries that get declined and closed by other providers. With over 15 partnering banks, we have made it our goal to become experts in your industry and find suitable and sustainable sources for your business to process. To learn more about our high risk credit card processing, review our in-depth page here: high risk merchant accounts, or give us a call at (800) 993-6300.

Funding Option Features

ACH Batch Funding Play Button  Standard ACH Next Day Funding Play Button  Next Day Funding Same Day Funding Play Button  Same Day Funding Instant Funding Play Button  Instant Funding
Batch Limits No daily batch limit No daily batch limit Total daily batch limit of $25k Single batch limit of $15k. No daily limit
Fees & Rates No Fees Added Feature Added Feature Added Feature
Cut-Off-Times Before 10:00 pm EST Before 10:00 pm EST Before 6:00 am EST Anytime
Fund Availability Funds available in 24 – 72 business hours Funds available morning of next business day Funds available by 5:00 pm EST the same business day Funds available in less than 5 hours of batch time

Funding Option Funding Times

ACH Batch Funding Play Button  Standard ACH Next Day Funding Play Button  Next Day Funding Same Day Funding Play Button  Same Day Funding Instant Funding Play Button  Instant Funding
Batched on Batch Time Funds Available Batch Time Funds Available Batch Time Funds Available Batch Time Funds Available
Monday 10:00 PM ET Wednesday 10:00 PM ET Tuesday 6:00 AM ET Monday Anytime Monday
Tuesday 10:00 PM ET Thursday 10:00 PM ET Wednesday 6:00 AM ET Tuesday Anytime Tuesday
Wednesday 10:00 PM ET Friday 10:00 PM ET Thursday 6:00 AM ET Wednesday Anytime Wednesday
Thursday 10:00 PM ET Monday 10:00 PM ET Friday 6:00 AM ET Thursday Anytime Thursday
Friday 10:00 PM ET Tuesday 10:00 PM ET Monday 6:00 AM ET Friday Anytime Friday
Saturday 10:00 PM ET Tuesday 10:00 PM ET Monday 6:00 AM ET Monday Anytime Saturday
Sunday 10:00 PM ET Tuesday 10:00 PM ET Monday 6:00 AM ET Monday Anytime Sunday

Next Day Funding

How Does Next Day Funding Work?

With Leap Payments next day funding, you can be paid in as little as eight hours.  Simply process your daily batch of transactions (by automation or manually as you prefer) before 10:00 pm Eastern. If you meet the cut-off time, your processing money will show up in your bank account the following morning. This special service is available regardless of which bank you choose for your deposits. And yes! Next day funding even works on Fridays and Saturdays, settle your batch by the cut-off time and your transactions will be deposited into your account and available for use by Monday morning. There is no limit of batch sizes, so no holds, no delays, no hassle.

Is There Any Way To Get Faster Funding?

For merchants that require the fastest deposits and credits to their account but do not settle until after 10:00 pm, we now offer same day funding. Same day funding can be faster for merchants settling their processing batches between 10:00 pm and 6:00 am, but offers about the same overall speed benefits as next day funding. But, unlike next day, settled batches done on Friday will be available on Friday with same day funding. Both same day and next day funding are added options to a merchant account and require meeting qualifications and have fees associated with them. For more information regarding requirements for getting next day or same day funding, please call (800) 993-6300 now and speak to a merchant account specialist.

How Is Same Day Funding Different Than Next Day?

Same day funding is the newest benefit offering for merchant services. If you operate a business that settles batches late at night or early in the morning, you will not benefit as much from next day funding, since the cut-off time is at 10:00 pm. To combat this issue and provide convenient services to all our merchants, we now offer same day funding with a cut-off time of 6:00am. As long as you settle your batched transactions by the cut-off, you will see your funds available in your bank account by 5:00pm, the same day. Batches are limited to $25,000 daily.

*Next day funding is not guaranteed for all merchant accounts. Available only for qualifying merchants. To see if you qualify, call (800) 993-6300 now and speak to an account specialist.

Same Day Funding

How Does Same Day Funding Work?

Same day funding offers even faster deposits, in as little as 8 hours. Process your batch as you normally do, at your point of sale or terminal, before the 6:00 am EST cut-off-time. If you meet the cut-off time, your batch deposit will arrive in your bank account before 5:00pm EST that same day. There are no special requirements for what bank account you choose to deposit to. Same day funding even works on the weekends. Same day funding has an advantage over next day funding when batching out on Fridays. If you settle your batch by the cut-off time on Friday, you will receive your deposit into your account that same day. As long as you stay below the daily batch limit of $25k, there are no holds, delays or hassles when receiving your funds.

How Is Same Day Funding Different Than Next Day Funding?

Same day funding is one of the newer benefit offering for merchant services. If you operate a business that settles batches late at night or early in the morning, you will not benefit as much from next day funding, since the cut-off time is at 10:00 pm. To combat this issue and provide convenient services to all our merchants, we now offer same day funding with a cut-off time of 6:00am. As long as you settle your batched transactions by the cut-off, you will see your funds available in your bank account by 5:00pm, the same day. Batches are limited to $25,000 daily.

Is There Anything Faster Than Same Day Funding?

If consistent, lightning fast funding to your account is what your business needs, instant funding is what you want. Instant funding is the newest option now available to Leap Payment merchants. There are no cut-off-times at all, seriously, zero cut-offs! Batch out transactions when it’s most convenient for you and receive the deposit to your account in less than 5 hours. Certain qualifications must be met before approvals for same day funding options are added to a merchant account. For more information regarding requirements for getting same day funding, please call (800) 993-6300 now and speak to a merchant account specialist.

*Same day funding is not guaranteed for all merchant accounts. Available only for qualifying merchants. To see if you qualify, call (800) 993-6300 now and speak to an account specialist.

Instant Funding (FastAccess)

How Does Instant Funding Work?

Instant funding is the fastest payment option available. Receive your deposit into your account, ready and available, in 5 hours or less. There are no restrictions on the bank that you deposit into. Simply link a debit card to the Instant Funding automated service, batch your transactions from your point of sale or terminal and your funds will show up in the bank account connected to that debit card. The best part about Instant funding, besides the lightning fast deposits, is the lack of cut-off-times. That’s right, there are no cut-of-times at all. Initiate a batch anytime, including weekends and holidays, and within 5 hours, you’ll see your funds in your account. There are no daily batch limits, but batches are limited to $15k each. Why wait for your funds if you can have them instantly?

How Is Instant Funding Different Than Same Day Funding?

Instant funding is the newest addon available for merchant accounts. If you do not want to constantly worry about keeping track all of your business’ separate batches until they are deposited into your account, instant funding is what you need. Instant funding offers the very best in flexibility and funding control. Unlike same day funding, there are no daily batch limits, providing an excellent option for high volume merchants. There are also zero cut-off-times. Process batches 24 hours a day, 7 days a week and 365 days a year.

Is There Anything Faster Than Instant Funding?

Instant funding is as fast as it gets for legitimate credit card processing services. Instant funding is guaranteed to arrive within 5 hours with a majority of merchants experiencing deposits in a fraction of that time. Certain qualifications must be met before approvals for instant funding options are added to a merchant account. For more information regarding requirements for getting instant funding, please call (800) 993-6300 now and speak to a merchant account specialist.

*Instant funding is not guaranteed for all merchant accounts. Available only for qualifying merchants. To see if you qualify, call (800) 993-6300 now and speak to an account specialist.

Frequently Asked Questions

Sounds Great, But What Is The Cost for Faster Funding?

Depending on your processing volumes, faster funding options are offered for a nominal monthly fee based on the accounts processing volume. There are no additional transactional fees associated with these options. Your payment processing rates will not increase by choosing instant, same day or next day funding over standard 2-3 day funding. If you have any questions regarding our fast funding options, please give us a call at (800) 993-6300

Which Cards Are Eligible For Instant, Same Day & Next Day Funding?

All credit and debit card transaction types are eligible for instant, same day and next day funding. These exclusive services allow all card types to be funded faster than standard funding. Accept, settle and receive funding from Visa, MasterCard, Discover, American Express and electronic checks faster than ever with our premier funding options.

Faster Funding, Better Merchant Services

If your business processes debit or credit card transactions, you should insist on having faster funding on your account. Merchant choose Leap Payments when looking for the best in merchant service solutions. Discover how our faster funding and other credit card processing merchant services, including our high risk merchant accounts, can transform your business operations. Call us today at (800) 993-6300 or contact us online and we’ll get you started with simply better credit card processing.

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