Why Is My Deposit Delayed? | Most Common Causes
Bank holidays, batch cutoffs, new-account reviews, and risk flags. The 5 most common reasons your deposit is late.
Updated 2026-02-11
Top 5 reasons deposits are delayed
- Bank holiday — banks don't move money on federal holidays. Add one business day.
- Batch closed after cutoff — if your terminal batched after the processor cutoff (typically 10–11 PM ET), the batch rolls to the next day.
- First-batch hold — brand-new accounts sometimes have a 24–72 hour review window on the first 1–3 batches.
- Risk hold / chargeback investigation — large or unusual transactions can trigger a risk review.
- Bank account info mismatch — typo in your routing or account number returns the ACH and pauses future deposits until corrected.
What to do
Check the Merchant Portal first — look for any "On Hold" status. If everything looks normal but the money still hasn't hit, open a ticket and include the batch ID + expected deposit date.
Frequently Asked Questions
How do I confirm my bank account info is correct?
Merchant Portal → Account → Bank Account. Compare the routing + account number to a check or your bank's online portal.
How long can a risk hold last?
Most resolve within 24–48 hours. Holds for large unusual transactions (>$5,000 single tx on a new account, for example) may be released only after we collect supporting documentation — an invoice, signed delivery slip, etc.
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