Depending on your processor, Pre-Authorized Debits can take anywhere from 1-4 business days from the process date. It may seem like a while, but the settlement delay ensures that the funds are actually cleared before arriving in the account. This also greatly decreases the risk of fraud and gives you more control over your transactions should you need to cancel or reverse the payment.

You should also be aware that Pre-Authorized Debits only process on business days, and often payment processors have cut-off times. Any transactions made after the cut-off will not process until the next business day.

What are Pre-Authorized Debits (PADs)?

What are the advantages of Pre-Authorized Debits?

What kind of businesses are best suited to use authorized debits?

How do pre-authorized debits work?

Are pre-authorized debits secure?

How do I start accepting pre-authorized debits?

What is an authorization and why do I need it for pre-authorized debits?

How long do pre-authorized debits take?

What to know about pre-authorized debit rejections.