# ACH Direct Debit payment settlement time

Stripe offers different settlement timings for ACH Direct Debit payments. Standard settlement timing is **six working days** from the payment creation date for users on the **Charges API** and **four working 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](https://stripe.com/docs/payouts#payout-schedule).
- **API**
- **Settlement Timing**
- **Cutoff Time**
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- Charges API
- 6 working days
- 17:00 Eastern Time
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- PaymentIntents API
- 4 working days
- 21:00 Eastern Time
## Additional Information
* Eligible US 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 working days from payment creation. To learn more about this feature see Two-Day Settlement for ACH Direct Debits.