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
|
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 |