ACH Direct Debit payment settlement time

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

Additional Information