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Deposits and processing times

How and when customer payments reach your bank account, and what can delay a deposit.

When a customer pays you through Finli (or your bank's version of it), the money is settled to your verified bank account by ACH transfer. This article explains the timing and where to track it.

Typical timing

Payments first have to clear from your customer's bank or card. Once a payment has cleared, Finli initiates a settlement to your bank account, and settlements usually arrive within 2 to 3 business days of being initiated.

  • Bank (ACH) payments clear through the ACH network on business days.
  • Card and Apple Pay payments take a little longer, because card charges need extra time to clear with the card processor.

Exact timing depends on your bank and your customer's bank. Weekends and bank holidays add time.

Why deposits aren't instant

Some payment apps show money as "available" right away, but that money sits in the app's wallet. Moving it to your bank still takes a few days. Finli settles directly to your bank account and shows you the timing up front.

Track your deposits

  • On your Dashboard, Settlements lists each deposit sent to your bank and the payments that make it up.
  • On the Payments page, the payment status shows where each payment is. Processing means it's on its way.

Screenshot to add: the Payments page showing payment statuses and settlement dates

Fees and deposits

ACH payments are free. If a customer pays by card and your business pays the 3.5% fee, the fee is deducted from that payment before it's settled. If you pass the fee to your customer, it's added to their total instead. See Payment methods and card fees.

Why a deposit might be delayed

  • Your customer hasn't paid yet. An invoice can be past its issue date and still unpaid. Send a reminder or contact your customer.
  • The payment failed or was returned. A disputed card charge, insufficient funds or a closed account can stop a payment. The payment status changes to Failed, and Finli keeps reminding your customer that the invoice is unpaid.
  • Your business isn't verified yet. Payments received before your account is approved are held until verification is complete. See Set up your business account.
  • The payment needs a review. Occasionally a payment, such as one much larger than your usual payments, is reviewed before it's settled. We'll contact you if we need anything.

Need help? Email support@finli.com.

Updated October 22, 2026