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 Friday, January 1, 2016
  • Martin Luther King Jr. Day Monday, January 18, 2016
  • Presidents Day Monday, February 15, 2016
  • Memorial Day Monday, May 30, 2016
  • Independence Day Monday, July 4, 2016
  • Labor Day Monday, September 5, 2016
  • Veterans Day Friday, November 11, 2016
  • Thanksgiving Day Thursday, November 24, 2016
  • Christmas Day Monday, December 26, 2016

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.