I am seriously considering other options for my business due to the extremely slow processing of ACH and Credit Card payments through Merchant Services.


Hello there, lorneanddana6312,

When processing payments through Merchant Services, your deposit cutoff time is 3 PM PST. The transactions you process after will go in to the next day's deposits.

Generally, credit card payments will be deposited in your account the next business day. However, bank transfers (ACH) payments can take 2-7 business days. These processes would also vary depending on the following:

  • The time you enter transactions.
  • Weekends and federal holidays.
  • The financial institution where transactions are deposited.
  • Bank policies for verifying and processing electronic deposits.

If you didn't received the funds on time, I'd recommend contacting our Merchant Services Support Team to check the status of your deposits.

If you wish to understand the processes of QuickBooks Payments, here are some articles that explain it all out: 

Please let me know if you have other concerns about processing payments through Merchant Services. I'm just around if you need further help.

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