Payables payment timing

Standard payment timing for both ePayments and mailed checks is four bank business days. After transaction history is established, customers may qualify for payments below $ 10,000 to be sent on accelerated payment timing. Accelerated ePayment timing is two bank business days.

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Pay a bill

  • Enter details on the bill and schedule a payment (Schedule a payment by 6:00 pm Pacific Time / 9:00 pm Eastern Time, and we'll start working on it the next bank business day)
  • We show an expected arrival date for each payment on the pay screen
  • Allow 2-4 bank business days for the ePayment, and 7-10 days for check payment to be delivered to the vendor
    • Bank business days are Monday through Friday (excluding bank holidays)
  • The Pay screen will always show an Arrives by date for ePayments, and Est. arrival date for checks
  • Check arrival dates are always shown as estimates based on USPS delivery times, and are out of CashFlow Complete's control.

ePayment timing

Standard ePayment timing - CashFlow Complete

Accelerated ePayment timing - CashFlow Complete


Vendor Direct payment timing

Standard Vendor Direct timing - CashFlow Complete

Accelerated Vendor Direct payment timing - CashFlow Complete


Check timing

Standard check payment timing - CashFlow Complete

Accelerated check payment timing - CashFlow Complete


Weekends and bank holidays

When you schedule a payment via CashFlow Complete, the earliest process date you can select is the next bank business day. Weekends and holidays don't count in the banking world, so you won’t be able to select a process date on a bank holiday or weekend day.

  • If you setup autopay for a vendor and the process date falls on a bank holiday or weekend day, the system will automatically push the process date to the next available bank business day.
  • If a weekend or bank holiday falls within the regular processing time for a payment, the "Arrives By" date will reflect the additional days added due to the bank holiday or weekend days since banks don't operate on those days.

The holidays listed below are all recognized as banking holidays by the Federal Reserve System, which means that on these days of the year banks are closed and not operating in their normal capacity. We cannot process ePayments (ACH), checks and international payments on bank holidays.

  • New Year’s Day
  • Martin Luther King Jr. Day
  • President’s Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans’ Day
  • Thanksgiving Day
  • Christmas Day

Keep an eye out for notifications of bank holidays while working in your CashFlow Complete account so you can consider weekends and holidays when scheduling payments.

Do payments clear on holidays and weekends?

ePayments don't clear on bank holidays and weekends. If you set up a vendor for autopay and the arrives by date falls on a weekend or holiday, it'll be delivered on the next available bank business day.

If a weekend or bank holiday falls within the regular processing time for a payment, the "Arrives By" date will reflect the additional days added due to the bank holiday or weekend days since banks don't operate on those days.

If a bank holiday falls on a weekday

If you set up a vendor for auto pay and the scheduled process date falls on Christmas Day, which happens to be a Wednesday, the funds will be deducted on Thursday.

If a bank holiday falls on a weekend

If a bank holiday falls on a Saturday or Sunday, it could affect your payment process date. For example, if a bank holiday falls on a Saturday, it's usually observed on the Friday before.