Sage 100

I think your question is: 

Is it reasonable that an ACH payment takes 7 days to make it's way from initial upload from Sage 100 to the recipients bank account? 

My experience with customers who pay me is that I seem to get the funds 2-3 days (frequently sooner ) from when they mention they've sent it. In those cases the customer is using the export the ACH to a file and manually upload to the bank method ( aka free ).

Thanks

I think your question is: 

Is it reasonable that an ACH payment takes 7 days to make it's way from initial upload from Sage 100 to the recipients bank account? 

My experience with customers who pay me is that I seem to get the funds 2-3 days (frequently sooner ) from when they mention they've sent it. In those cases the customer is using the export the ACH to a file and manually upload to the bank method ( aka free ).

I think your question is: 

Is it reasonable that an ACH payment takes 7 days to make it's way from initial upload from Sage 100 to the recipients bank account? 

My experience with customers who pay me is that I seem to get the funds 2-3 days (frequently sooner ) from when they mention they've sent it. In those cases the customer is using the export the ACH to a file and manually upload to the bank method ( aka free ).

I think your question is: 

Is it reasonable that an ACH payment takes 7 days to make it's way from initial upload from Sage 100 to the recipients bank account? 

My experience with customers who pay me is that I seem to get the funds 2-3 days (frequently sooner ) from when they mention they've sent it. In those cases the customer is using the export the ACH to a file and manually upload to the bank method ( aka free ).

Sue, are you processing through you bank?  Is this integrated with Sage?

2-3 days funding for ACH transactions is the standard.  Sue is special.  7 days is beyond absurd no matter what Jerry wrote.  ;-)

Hee hee. To be clear, the 3-7 days delay business is when a 3rd party can initiate an ACH pmnt from another's account. This occurs with Repay, Paya, etc when Smartbridge has its customers paying through the merchant processor. I could theoretically put in a manual ACH transfer to my account with the customer approval. Without a delay of the actual funds transfer, there would be no formal recourse.

ACH transactions from my bank to yours is at most 2 business days. 

2-3 days funding for ACH transactions is the standard.  Sue is special.  7 days is beyond absurd no matter what Jerry wrote.  ;-)

In all seriousness, perhaps more clarity is needed here.  We have most of our customer's payment information entered in through Sage 100 into the processor's vault.  It doesn't matter if it is REPAY, Fortis, Paya/Nuvei, we have both ACH banking information and credit card information.  When we process a payment via credit card, we get the money the next day.  When we process the payment via ACH, we get the money in 2-3 days, most typically 3 days.  Sometimes, the customer or the customer's bank will reject the ACH transaction after it has been funded, and that will initiate an ACH Return where the money is drafted from our bank account automatically.

Is this the process you are referring to @Jerry Norman?

Hee hee. To be clear, the 3-7 days delay business is when a 3rd party can initiate an ACH pmnt from another's account. This occurs with Repay, Paya, etc when Smartbridge has its customers paying through the merchant processor. I could theoretically put in a manual ACH transfer to my account with the customer approval. Without a delay of the actual funds transfer, there would be no formal recourse.

ACH transactions from my bank to yours is at most 2 business days. 

2-3 days funding for ACH transactions is the standard.  Sue is special.  7 days is beyond absurd no matter what Jerry wrote.  ;-)