Payment and deposit timing

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API version 2023-01-01 deprecating

This version will be deprecated on May 1, 2025. If your platform is on this version, you should upgrade to at least 2023-12-01 to simplify authorization and access new features.

Payin cutoffs times

To be included in each day's batch of payins, a payin needs to be initiated by:

• 9pm ET for ACH
• 11pm ET for cards

Deposit timing

Deposits are created on each US banking day, for each merchant who has payment volume that has been released.

Release timelines are set jointly by Rainforest and your platform, and can be configured separately for each merchant that you board. In general, release times are:

• Card processing: T+1, meaning that funds are released the first banking day after the day of its batch.
• ACH: T+2 to T+4, meaning that funds are released between two and four days after the batch.

Let's look at an example for a merchant configured for T+1 on cards and T+2 for ACH. Their payments on Thursday evening would be deposited on as following:

Contact support if you have further questions about deposit timing or the release times configured on your merchants.