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Deposit Timing and Tracking Guide

Managing your business’s cash flow effectively starts with knowing when to expect your deposits and how to track them. This guide provides an overview for some of the most commonly used payment gateways.

When Can I Expect to Receive My Deposits?

Here’s what you can expect based on the payment processor:

  • Fiserv (Clover/CardPointe): Deposits are generally received within 2-3 business days after transactions are processed. Keep in mind that holidays, weekends, and daily cutoff times may affect this timeline.

Note: Fiserv is a global payment processor that provides merchant services through platforms like Clover and CardPointe. Clover is a point-of-sale (POS) system powered by Fiserv, while CardPointe is a payment gateway and management system used by merchants processing payments through Fiserv.

  • Stripe: Standard payouts occur within 2 business days for most accounts in the U.S. However, initial payouts may take 7-14 days due to account verification. Stripe also offers instant payouts for eligible accounts, transferring funds to a connected debit card within minutes (fees apply).

  • PayPal: Funds can be transferred to your bank account within 1-3 business days after withdrawal. For quicker access, PayPal offers an instant transfer option, allowing funds to arrive within minutes for a small fee.

  • Adyen: Settlement times with Adyen depend on your payout schedule settings. Standard payouts are typically processed within 1-2 business days. However, businesses can configure daily, weekly, or monthly payouts based on their preferences. Instant payouts may be available for select regions and banking partners

Note: The exact timing may vary based on factors such as bank processing times, weekends, and holidays.

How Do I Track My Deposits?

Each payment processor provides tools to help you track your deposits and ensure transparency in your transactions. Here’s how to track them:

CardPointe (Fiserv)

  • Log in to your CardPointe merchant portal.
  • Navigate to Reporting > Gateway Batches to view deposit amounts that will be transferred to your account.

Clover (Fiserv)

  • Sign in to your Clover merchant portal.
  • Go to Finances > Deposits to track settled payments.

Stripe

  • Access your Stripe dashboard.
  • Navigate to Balances > Payouts to view completed and pending deposits.
  • Download reports for a detailed breakdown of transactions and payout schedules.

Adyen

  • Log in to your Adyen Customer Area.
  • Go to Finance > Sales to Payouts for a detailed breakdown of settlements and expected payouts.

PayPal

  • Sign in to your PayPal account.

  • Go to the "Activity" tab to view recent transactions and withdrawals.

  • Use the search bar to filter by date or status to locate specific deposits.


Tip: Most platforms also offer email notifications and downloadable reports to help you monitor deposits efficiently.

 

If you experience delays or discrepancies, we recommend contacting the respective payment processor’s support team for assistance.