How batch and funding timelines work
Understanding when you get paid is just as important as knowing how your transactions are processed. Here's how batching and funding work with Pepper Pay.
What Is "Batching"?
Every time you run a credit card transaction, it's held in a temporary queue until you close your batch. Batching finalizes all authorized transactions and submits them for settlement.
You must batch out once per day to receive timely funding. If you don't, transactions will roll to the next batch and delay your payout.
Funding Timeline Overview
Once your batch is closed, here's what happens:
| Transactions Day | File Sent to Bank | Funds Deposited |
|---|---|---|
| Monday | Tuesday by 5:00 PM ET | Wednesday |
| Tuesday | Wednesday by 5:00 PM ET | Thursday |
| Wednesday | Thursday by 5:00 PM ET | Friday |
| Thursday | Friday by 5:00 PM ET | Monday |
| Friday | Sunday by 8:00 PM ET | Monday |
| Saturday | Sunday by 8:00 PM ET | Monday |
| Sunday | Monday by 5:00 PM ET | Tuesday |
Note: Friday and weekend transactions are grouped into two separate files:
- Friday + Saturday
- Sunday only
These are sent as a combined transmission to the bank on Sunday evening.
Key Reminders
- Files are sent next day by 5 PM ET (except weekends).
- Sponsor Bank receives the ACH file from TSYS and releases funds the next business day.
Tips for On-Time Funding
- Always batch by your cutoff time (ideally before 9:50 PM PST / 12:50 AM EST)
- Avoid batching delays over weekends or holidays
- Set automatic batch times if your POS supports it
If you're ever unsure about a batch or payout, Pepper Pay's support team can help track the file and give you an exact funding ETA.
support@pepperpay.com; 786-358-9338 option 3