Payout Process & Timelines in Albi
Deposit Timing by Payment Method.
Deposits are created on each US banking day for every merchant with a payment volume that has been released. Card transactions are deposited into the merchant bank account on the following business day (T+1), while ACH transactions are deposited four business days following the transactions (T+4).
Additionally, ACH transactions are not processed over the weekend or banking holidays, which means the Transaction Date (T) does not equal the purchase for transactions initiated on a Saturday, Sunday, or banking holiday.
Credit Card Transactions
Card Transactions (T+1) - 11pm ET Cutoff
|
Transaction Date (T) |
Deposit (T+1) |
| Monday | Tuesday |
| Tuesday | Wednesday |
| Wednesday | Thursday |
| Thursday | Friday |
| Friday | Monday |
| Saturday | Monday |
| Sunday | Monday |
ACH Transactions
ACH Transactions (T+4) - 9pm ET Cutoff
|
Transaction Date (T) |
Deposit (T+4) |
|
Monday
(Includes Transactions entered on Saturday, Sunday, or Monday) |
Friday |
|
Tuesday |
Monday |
|
Wednesday |
Tuesday |
|
Thursday |
Wednesday |
|
Friday |
Thursday
|
ACH Payments
-
ACH payments cannot be canceled once they enter settlement
-
The settlement window is typically same day (end of day) as the request
-
ACH payments must be canceled before 9:00 PM ET on the same day
-
After the 9:00 PM ET cutoff, the payment cannot be canceled
Card Payments
-
Card payments have a later cancellation window
-
Card payments must be canceled before 11:00 PM ET on the same day
-
After this time, the payment is considered settled and cannot be canceled
What are the banking holidays for FY 2026?
Banking holidays are days on which your bank does not accept transactions. Here is a list of the banking holidays for 2026.
Note: When a bank holiday falls within the payout window, it does not count as a business day as banks are not open.
|
Holiday |
Date |
|
New Years Day |
January 1 |
|
Martin Luther King, Jr. Day |
January 19 |
|
Memorial Day |
May 25 |
|
Juneteenth |
June 19 |
|
Independence Day |
July 4 (observed July 3) |
|
Labor Day |
September 7 |
|
Veterans Day |
November 11 |
|
Thanksgiving |
November 26 |
|
Day after Thanksgiving |
November 27 |
|
Christmas |
December 25 |