Stripe offers different settlement timings for ACH Direct Debit payments. Standard settlement timing is 6 business days from payment creation date for users on the Charges API and 4 business days for users on the PaymentIntents API.
After ACH Direct Debit payments are settled to your Stripe account balance, payouts are made to your bank account according to your set payout schedule.
|API||Settlement Timing||Cutoff Time|
|Charges API||6 business days||5:00 pm Eastern Time|
|PaymentIntents API||4 business days||7:00 pm Eastern Time|
Eligible users processing ACH Direct Debit payments on the PaymentIntents API can opt in to faster settlement timing, where funds are available in your Stripe balance 2 business days from payment creation. To learn more about this feature see Two-Day Settlement for ACH Direct Debits.