Same & Next Day Funding Options for Merchant Services

Turn Some Day Into Same or Next Day And Get Funded Faster

For business owners, cash flow is key. You need continuous access to funds to pay your bills, meet payroll demands and keep your business moving forward. There are several merchant service funding options to transfer funding from your payment processing account into your bank account. Standard ACH, next day funding and same day funding.

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 merchant accounts and serves most business types well.

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 show up and be ready to use the very next business day. This means you can receive your payment processing funds in as little as 8 hrs.

Same Day Funding

The newest option for merchant services, also known as Fast Track Funding, provides the fastest in funding options. For merchants that need funding immediately, same day funding allows for batches settled before 6:00 am to be funded the same day. While this does not affect businesses that are closed and settled during normal business hours, it does offer the best in funding benefits for bars, restaurants, nightclubs, taxi cabs and convenience stores.

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.

Stop Watch
  • Convert sales to account revenue in record time
  • Use your merchant bank account to meet obligations
  • Available funding for large orders & invoices
  • Gain the flexibility to manage the ups and downs of operating a business
Standard ACH Next Day Funding Same Day Funding
For any funding payments (no dollar limit applies)
For any funding payments (no dollar limit applies)
For batches less than $25k
For domestic payments
For domestic payments
For domestic payments only
No fee*
Ideal for businesses that batch out before 10 p.m. EST
Ideal for businesses that batch out after 10 p.m. EST
Receive funds within 24 to 72 hours
Receive funds next business day
Receiving banks have to make funds available at the end of the same business day
No expedited funding – standard processing applies Beginning March 2018, funds will be available
by 5 p.m. local time, same business day!

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.

Standard ACH Next Day Funding Same Day Funding
on Day
(early close)
Funds Available
to Merchant
(early close)
Funds Available
to Merchant
(early close)
Funds Available
to Merchant
Monday 10:00 PM ET Wednesday 10:00 PM ET Tuesday 6:00 AM ET Monday
Tuesday 10:00 PM ET Thursday 10:00 PM ET Wednesday 6:00 AM ET Tuesday
Wednesday 10:00 PM ET Friday 10:00 PM ET Thursday 6:00 AM ET Wednesday
Thursday 10:00 PM ET Monday 10:00 PM ET Friday 6:00 AM ET Thursday
Friday 10:00 PM ET Tuesday 10:00 PM ET Monday 6:00 AM ET Friday
Saturday 10:00 PM ET Tuesday 10:00 PM ET Monday 6:00 AM ET Monday
Sunday 10:00 PM ET Tuesday 10:00 PM ET Monday 6:00 AM ET Monday

Sounds Great, But What Does It Cost?

Depending on processing volumes,next day and same day 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 next day or same day funding over standard 2-3 day funding. If you have any questions regarding next or same day funding, please give us a call at (800) 993-6300.

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

All credit and debit card transactions types are eligible for same and next day funding. These exclusive services allow all card types to be funded faster than standard funding. Visa, MasterCard, Discover, American Express and electronic checks.

Faster Funding, Better Merchant Services

So if you process debit or credit cards, insist on faster funding. Insist on Leap Payments. Discover how our faster funding and other credit card processing merchant services, including our high risk merchant account, 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.

*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.

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