Commerce Solutions

Understanding Merchant Funding

After your customer has made a purchase and it has been authorized and settled, it can be funded. Funding happens when the payment brands such as Visa® or MasterCard® reimburse us for your customer transaction, allowing us to send these funds to you.

Funding Weekends and Holidays

Note that funding does not occur on weekends and on certain holidays, particularly federal banking holidays. The U.S. bank holidays for 2015 are as follows:

  • New Year's Day Wednesday, January 1, 2015
  • Martin Luther King Jr. Day Monday, January 19, 2015
  • Presidents Day Monday, February 16, 2015
  • Memorial Day Monday, May 25, 2015
  • Independence Day Friday, July 3, 2015
  • Labor Day Monday, September 7, 2015
  • Columbus Day Monday, October 12, 2015
  • Veterans Day Tuesday, November 11, 2015
  • Thanksgiving Day Thursday, November 26, 2015
  • Christmas Day Thursday, December 25, 2015

Although it is not possible to guarantee a specific fund delivery timeframe due to a number of issues, generally, you will receive your funds within two business days.