The following payment timings are dependent on the below 2 actions being completed by 4pm UK (12pm EDT) time on any business day. If either is completed after this time, there will be an additional day in the process.
- The payer has given authorization to set up a ACH Debit
- GoCardless has received an instruction to create a payment
Please note: If a payment is created on a weekend or US public holiday, the process will begin on the next available working day.
| EVENT | US TIMINGS (EDT) | UK TIMINGS (BST) | ||
|---|---|---|---|---|
| WORKING DAY | ESTIMATED TIME | WORKING DAY | ESTIMATED TIME | |
| Payment creation deadline * | 0 | 12:00pm | 0 | 4:00pm |
| Customer charge date | 2 | Varies | 2 | Varies |
| Payment status confirmed (successful / failed) | 4 | 8:30am - 5:00pm | 4 | 12:30pm - 9:00pm |
| Payout submission | 5 | Varies | 5 | Varies |
| Payout received (US based bank) | 6** | 10:00am | 6** | 2:00pm |
* Payments can be created in advance with the charge date specified. The time specified here is the cut-off to charge a customer as soon as possible. For one-off payments, this also marks the time when the customer is sent a notification email advising them of their payment.