Most merchants obsess over their processing rate and never think about funding speed — how fast the money from a sale actually lands in their bank account. For a business running on cash flow, that timing is its own hidden cost. Here's what the terms mean and why they matter.
When your money sits in processing for two or three days, a few things happen:
For a high-volume counter business, the difference between three-day and same-day funding can mean tens of thousands of dollars in working capital freed up at any given moment.
Same-day funding depends on a few things: batching before the daily cutoff time, the type of account you're on, and your bank. It's not automatic for every merchant or every transaction — which is why it's worth confirming the specifics for your business rather than assuming. A straight answer about your funding schedule is something every processor should be able to give you.
Qualifying Pacta merchants batch out at close and see their money by noon the next business day — not "2 to 3 business days," with no surprise rolling reserves on standard accounts. Your deposits move on a predictable schedule, so your cash flow keeps pace with your business. Combined with zero processing fees through dual pricing, that's more money, arriving faster.
Want this run on your actual numbers? Bring a recent statement and we'll show you exactly what you're paying — and what you'd keep with Pacta. Schedule a 30-minute call →