ACH Processing Times

Bank-to-Bank Transfers

Bank-to-bank transfers at Paynote involve two steps:

  • Payment In (Debit) - Funds are pulled from the sender’s bank account (source) into the Paynote Network.
  • Payment Out (Credit) - Funds are pushed into the recipient's bank account (destination) from the Paynote Network.

The transfer processing time depends on the transfer speed chosen for both the debit and credit sides of the transfer.