How payment funding works

When a customer pays at your Chively POS, funds go through a standard settlement process before they're deposited to your bank account. Here's what to expect.

Standard funding timeline

| Transaction type | Settlement timeline | |---|---| | Credit / debit card | 1-2 business days | | Next-day funding (if enrolled) | Next business day | | Weekend / holiday transactions | Next available business day |

Business days are Monday through Friday, excluding federal holidays.

Next-day funding

Chively offers next-day funding for qualifying accounts. To check if your account is eligible:

  1. Log in to your Chively dashboard
  2. Navigate to Settings -> Payment Processing
  3. Look for the Funding Schedule section

If next-day funding is available for your account, you can enable it there. Transactions processed before the daily cutoff time will settle the following business day.

What affects deposit speed

Several factors can affect when funds arrive:

  • Bank processing time - Your bank may hold deposits for 1 business day after we release them.
  • Account verification - New accounts may have a temporary extended hold period (typically 7 days) while your payment history is established.
  • Large or unusual transactions - Transactions that fall outside your normal volume pattern may be reviewed, which can add 1-2 days.
  • Chargebacks or disputes - If a dispute is filed on a transaction, funds may be held until the dispute is resolved.

Weekend and holiday transactions

Transactions processed on Saturday, Sunday, or a federal holiday are batched and settled on the next business day. For example:

  • A Saturday transaction with standard funding will typically settle by Tuesday.
  • A Saturday transaction with next-day funding will typically settle by Monday.

Checking your deposit history

You can view all past and pending deposits in your Chively dashboard:

  1. Go to Reports -> Deposits
  2. Select the date range you want to review
  3. Click any deposit to see the individual transactions included

Reports are exportable to CSV or Excel.

Questions about a specific deposit?

Contact our support team with your merchant ID and the transaction date and we'll look into it right away.

  • Phone: +1 (800) 439-8229
  • Email: support@chively.com