When a customer pays an invoice through SynkedUP Payments, the money doesn't go straight to your bank — it moves through a settlement window first, then gets bundled into a deposit. That's why "when will I get paid?" doesn't have a single number answer. Here's the real picture.
The short version
Credit card: 1 business day, payment-to-bank.
ACH (eCheck / bank transfer): 3–5 business days, payment-to-bank.
These numbers are business days (Saturdays, Sundays, and bank holidays don't count) and they're estimates, not deadlines. Plan around the upper end of the range, especially for ACH.
How to check the status of a deposit
Go to Information → Payments → Deposits in SynkedUP. Each row shows you:
Created date — when the deposit was initiated by SynkedUP Payments
Amount — the dollar amount being deposited
Status — one of:
Processing — the deposit has been sent but hasn't cleared into your bank yet
Succeeded — the money has hit your account
Once a deposit flips to Succeeded, the funds are in your bank account. Until then, the deposit is in flight on the banking network — and there's no way to make it move faster than the ACH or card-network schedules allow.
If a deposit has been in Processing past the upper end of the estimate (more than 1 business day for credit card, more than 5 business days for ACH), see the troubleshooting section below.
Why ACH takes longer than credit card
ACH (bank-to-bank) transfers run on a fixed banking-network schedule with multiple settlement windows per day, and the funds have to clear out of the customer's bank before being deposited into yours. Credit card transactions clear next-business-day because the card processor (not a bank-to-bank rail) handles settlement.
If a deposit is stuck in Processing past the estimate
This is rare, but it happens. Don't wait it out — open a chat with us and include:
The customer name and invoice number
The payment amount
The date the customer paid
The Created date shown on the deposit row in Information → Payments → Deposits
Whether the status reads Processing or Succeeded
With those five pieces of info, we can look up the deposit in the processor dashboard and tell you exactly where it is in a few minutes — no more guessing.