Get the payment processing solution that fits your business
Get Your Deposits Faster with Host Merchant Services
Next Day Funding from Host Merchant Services keeps your cash flow moving without delays.
Get Your Deposits Faster with Host Merchant Services
Next Day Funding from Host Merchant Services keeps your cash flow moving without delays.
Next Day Funding
Next Day Funding
Get Your Deposits Faster with Host Merchant Services
Your business shouldn’t have to wait for cash to flow. With Next Day Funding from Host Merchant Services, you can get the funds from your credit and debit card transactions within one business day, so you can keep things up and running smoothly.
Batch Cutoff Times By Processor
To qualify for next-day deposits, your batch settlement must be completed before your processor’s daily cutoff time. Host Merchant Services automates this process, ensuring your batches are sent on time every day.
Below are the standard cutoff times (Eastern Time) for various processing partners:
| Processor / Back End | Front End | Platform Cutoff (ET) | Gateway Cutoff (ET) | Notes |
|---|---|---|---|---|
| First Data Omaha | Omaha | 7:00 PM | N/A | Standard cutoff for most merchants |
| First Data North | North | 10:00 PM | 9:30 PM | Gateway processes through RapidConnect on the North |
| First Data Nashville (Front End Omaha) | Nashville | 4:00 PM | N/A | For merchants using the Nashville front end |
| Paysafe | - | First Wave: 8:00 PM Second Wave: 11:00 PM | N/A | The second wave may slightly delay deposits |
| Clover (Omaha) | With Tips | 6:00 PM | 5:40 PM | Recommendation: Batch out 15-30 minutes before the cutoff |
| - | Without Tips | 7:00 PM | N/A | Recommendation: Batch out 15-30 minutes before the cutoff |
| Clover (Nashville) | With Tips | 4:00 PM | N/A | Recommendation: Batch out 15-30 minutes before the cutoff |
| - | Without Tips | 5:00 PM | N/A | Recommendation: Batch out 15-30 minutes before the cutoff |
| Nuvei | - | 10:00 PM | N/A | - |
| TranFirst / TSYS | - | 8:00 PM | N/A | 7:00 PM for Transit or TxP |
| Clearent | - | 8:00 PM | N/A | - |
| - | - | Late Funding: 11:00 PM | N/A | 3 basis points |
| Maverick | - | 11:00 PM | N/A | Accounts are typically set for 2-day funding; batching after 11 PM may delay funding by 3 days |
| EMS High-Risk | - | 2-3 Business Days | N/A | For high-risk merchants |
| CardConnect | Omaha | Dependent on First Data back end used. See First Data times above | ||
Note: Batches submitted after the cutoff are processed the following day.
Sunday batches fund on Tuesday, as banks do not process on Sundays.
How Next Day Funding Works?
Getting next-day deposits is simple, but timing is everything. Here is how it works:
Transaction Initiation
A customer pays with a credit or debit card, either in-store or online.
Authorization
Host Merchant Services verifies the transaction through the card networks for real-time approval.
Batching
At the end of your business day, you or your terminal “batch out” or close all transactions.
Settlement
The batch is sent to your acquiring bank and card networks for settlement.
Funding
If your batch is submitted before the cut-off deadline, your deposit is initiated immediately.
Deposit
The funds are transferred to your bank account and available the next business day.
Why Choose HMS For Next Day Funding
When it comes to reliable deposits and cash flow management, Host Merchant Services leads the industry in speed and transparency.
Here’s what you can expect:
Faster Deposits
Access your funds the next business day to maintain a healthy cash flow.
Automated Batch Settlements
We can set your terminal to auto-batch at the same time every day
Flexible for Every Industry
Available for retail, restaurants, eCommerce, service providers, and more.
Secure, PCI-Compliant Processing
Enjoy peace of mind with bank-level data protection.
24/7 Support
Automate reporting, reduce errors, and save time so you can focus on growing your pawn shop instead of chasing payments.
Get Paid Faster with Host Merchant Services
Don’t wait days to access your hard-earned revenue. With Next Day Funding, you can streamline your payment cycle, improve liquidity, and focus on what matters most: growing your business.
Call (877) 517-4678
Frequently Asked Questions
What is Next Day Funding?
It is a payment feature that deposits funds from your transactions into your bank account by the next business day, if you batch before the cut-off.
What happens if I miss the cutoff time?
If you miss your cut-off time, we process the batch on the following day, and your deposit arrives one business day later.
Are there different cutoff times for each processor?
Yes. The cutoff time depends on each payment network and front-end platform (such as First Data, TSYS, or Clover). Please see the above table for more information.
Can high-risk merchants use Next Day Funding?
For high-risk accounts (such as EMS High-Risk),the transfer of funds takes place within 2–3 working days, owing to compliance and verification.
Does HMS automate batch settlements?
Absolutely. Host Merchant Services can also set up your terminal or POS to auto-batch daily so you never miss a cutoff.
What if I batch on Sunday?
Sunday’s batches clear on Tuesday, so you won’t receive it until then because banks don’t process settlements on Sunday.