Funding Times

Included below are our acquiring and ODFI bank funding options and cut-off times.

Please note that the ACH funding schedule is based on the merchant's unique hold days (as most merchants are set up with prefunding). Our default ACH setup includes 3 hold days before funds are released.

TSYS
Funding Type	Bank	Cutoff Time
Two-Day Funding	Axiom (4011/5011 MIDs)	1:00 AM EST
	Avidia (3011/3012/3022 MIDs)	1:00 AM EST
	FFB (2011 MIDs)	1:00 AM EST
	GBC (formally NABCO) (7011 MIDs)	1:00 AM EST
	WAB (8011 MIDs)	1:00 AM EST
Next-Day Funding	Axiom (4011/5011 MIDs)	11:00 PM EST
	Avidia (3011/3012/3022 MIDs)	11:00 PM EST
	FFB (2011 MIDs)	11:00 PM EST
	GBC (formally NABCO) (7011 MIDs)	11:00 PM EST
	WAB (8011 MIDs)	11:00 PM EST
Same-Day Funding	Axiom (4011/5011 MIDs)	8:00 AM EST
	Avidia (3011/3012/3022 MIDs)	8:00 AM EST
	FFB (2011 MIDs)	8:00 AM EST
	GBC (formally NABCO) (7011 MIDs)	8:00 AM EST
	WAB (8011 MIDs)	8:00 AM EST

Fiserv
Funding Type	Bank	Cutoff Time
Two-Day Funding	WAB (815 MIDs)	1:00 AM EST
Next-Day Funding Nashville	WAB (815 MIDs)	9:45 PM EST
Next-Day Funding Nashville Clover	WAB (815 MIDs)	9:30 PM EST
Next-Day Funding Nashville Clover w/Tips	WAB (815 MIDs)	8:00 PM EST
Next-Day Funding Buypass	WAB (815 MIDs)	9:30 PM EST

VPC
Funding Type	Bank	Cutoff Time
Two-day Funding	VPC Avidia (4099 MIDs)	4:00 AM EST
Next-Day Funding	VPC Avidia (4099 MIDs)	7:30 PM EST

VPC

Funding Type

Bank

Cutoff Time

Two-day Funding

VPC Avidia

(4099 MIDs)

4:00 AM EST

Next-Day Funding

VPC Avidia

(4099 MIDs)

7:30 PM EST

ODFI Bank Cut-Off Times (ACH)

Funding Type

Bank

Cutoff Time

Standard

Avidia

8:00 PM EST

First Premier

8:00 PM EST