Skip to main content
Logo
Identify a payment Support GoCardless
Status pages
  • GoCardless status
  • IBP status
  1. Support Centre
  2. Payments
  3. Payment timings

Success+ payment scheme cut-off times

When Success+ schedules a retry, we submit the payment to your scheme's banking network. Every network has a daily cut-off time, and any payments submitted after this point wait in a queue for the next business day. Keeping track of these cut-offs helps you know exactly when your retried funds will land.

Please note: All times are in GMT (UTC+0). During British Summer Time (BST, UTC+1), BACS cut-offs shift by one hour relative to your local clock. All schemes operate Monday to Friday only, payments submitted on weekends or bank holidays are queued for the next business day.

Cut-off times by scheme

SchemeSubmission cut-offOperating days
BACS16:00 GMT  Mon - Fri, Business days only
SEPA05:00 GMT  Mon - Fri, Business days only
Autogiro12:30 GMTMon - Fri, Business days only
ACH  11:00 AM EST Mon - Fri, Business days only
BECS AU12:30 PM AESTMon - Fri, Business days only
BECS NZ03:00-05:00 AM NZSTMon - Fri, Business days only
PAD11:00 AM EST Mon - Fri, Business days only
Was this article helpful?
  • Promoted articles

    • Credit card payments
    • Bulk importing payments
    • Overview of payment statuses
    • Refund a payment
  • Recently Added Articles

  • Top Articles

API Documentation

Our detailed docs have everything you need to know about using our Payments and Bank account data APIs

View documentation

Need help identifying a payment?

Seen ‘GoCardless Ltd’ on your bank statement? Use our secure tool below to find out more.

Payment Lookup

Need support?

Contact Support

Our support team are available 24/7 to answer any questions you may have.

Quick links

Knowledge base
Visit GoCardless.com

About GoCardless

Legal
Privacy
Security
Blog

Support

Contact support
Complaints
Contact sales

Seen ‘GoCardless Ltd’ on your bank statement?

Identify a payment

GoCardless Ltd, 55 Collins Street, Melbourne VIC 3000, Australia


GoCardless Ltd (company registration number 07495895) is registered as a foreign company in Australia, ABN 17 606 261 74, and holds an Australian Financial Services licence (AFSL), number 478976.





English (New Zealand) Deutsch English (Australia) English (Canada) English (United Kingdom) English (United States) Español Français
Search help articles
https://gocardless.com/en-nz/partner-with-us/
/hc/theming_assets/01K6CWEX65HDS7SN48AB4BJ0FJ
Partner with us
Partner with us to shape the future of payments.
custom
https://gocardless.com/en-nz/stories/
/hc/theming_assets/01K6CWEXFM1KVSFD87E8NNH1HK
Customer Stories
GoCardless helps thousands of businesses with their payments everyday.
custom
https://payersupport.gocardless.com/hc
/hc/theming_assets/01K6CWEXSCTABZBKYYHZK1HCVV
Paying a merchant via GoCardless
Our Payer Support provides resources on paying through GoCardless.
Payment timings, Verification, Xero, 2fa