Timeline of Data Availability

Day T0	Day T+1	Day T+2	Day T+3
Transaction occurs	Terminal Cut-off at 2:00AM local time in the US, and 3:00 local time in the UK	Status changes to "SETTLED" between 03:30AM and 10:30AM EST	Payout information available between 07:30AM and 12:00PM EST
	Status changes to "RECEIVED" or "REFUSED" or "CANCELED" between 03:30AM and 10:30AM EST

• Example Transaction time: day T0, Monday, at 8:00 a.m. EST.

  • Transaction status is: "SUBMITTED FOR PROCESSING"

• Terminal cut-off: day T+1, Tuesday at 2:00 a.m. local time in the US, and 3:00 a.m. local time in the UK.

• Transaction status changes to "RECEIVED" or "REFUSED" or "CANCELED": day T+1, Tuesday between 3:30 a.m. and 10:30 a.m. EST.

  • Timing can vary and depends on environment, size of enterprise, and number of transactions.

• Transaction status changes to "SETTLED": day T+2, Wednesday between 3:30 a.m. and 10:30 a.m. EST.

  • Timing can vary and depends on environment, size of enterprise, number of transactions, or payment processor.

  • This status change only occurs on weekdays.

• Payout information becomes available: day T+3, Thursday between 07:30 a.m. and 12:00 p.m. EST.

  • Timing can vary and depends on environment, size of enterprise, and number of transactions, or payment processor.

  • This status change only occurs on weekdays, except bank holidays.