Payment expected deposit date

Rainforest now provides an Expected Deposit Date for each payment, which represents an estimate on when the payment will be included in the merchant's deposit.

Deposit timing is dependent on the type of payment and the payment method used for processing, which can make it hard to keep track of when a payment is expected to be included in a deposit. For example, a card payin with a T+1 deposit timing processed on February 27th, 2025 is expected to be deposited on February 28th, 2025 and an ACH payin with a T+4 deposit timing processed on February 27th, 2025 is expected to be deposited on March 5th, 2025.

The Expected Deposit Date will be provided when a payment processes and funds are expected to move. If the payment is canceled, put in review, or returned, then the payment is no longer expected to be in a future deposit and the Expected Deposit Date will be updated to reflect this.

Detail Components

The Payment Details Components for payins, refunds, and ACH returns includes an Expected Deposit Date in the Related Info.

Payment Report Component

The Expected Deposit Date can also be configured as a column in the Payment Report Component.

API

The following endpoints now return an expected_deposit_date field:

• List payments
• Get payin
• Get ACH return
• Get chargeback

Rainforest Platform Portal

The Expected Deposit Date column is available now within the Rainforest Platform Portal. If you have custom columns configured, reach out to please contact support to get this column added to your payment report.

Limitations

There are a few limitations to the Expected Deposit Date:

1. This is an expected date and not a guaranteed date. If a payment is in review, canceled, or returned, then the expected deposit date can change.
2. If a merchant's deposits are disabled, then this date will not represent the deposit date accurately. This date represents the deposit timing if deposits were enabled.
3. For chargebacks, the expected deposit date represents the date the fee of the chargeback is expected to be deducted in a deposit. Due to the nature of the chargeback lifecycle, funds pulled from the merchant or given to the merchant is dependent on the chargeback status and is not represented by the expected deposit date.

See the payment expected deposit date guide for additional details.