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A Payment is the transfer of funds from a source checking or savings bank account to a destination credit card, auto loan, mortgage, student loan, and more. All Payments are processed electronically between the source and destination, and take 2-3 business days depending on the receiving financial institution.

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Cutoff Times

Payments are processed on business days (Monday - Friday), excluding US Banking Holidays.
  • Source processing windows: 10:30 AM, 1:30 PM, and 4:30 PM CST
  • Destination processing windows: 1:30 PM CST

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Payment Objects

{
  "id": "pmt_VeCfmkwGKb",
  "source": "acc_hmap9mbgfLcf9",
  "destination": "acc_YXDrjADGjC76U",
  "amount": 5000,
  "description": "Loan Pmt",
  "status": "pending",
  "estimated_completion_date": "2024-03-21",
  "source_trace_id": null,
  "source_settlement_date": "2024-03-15",
  "source_status": "pending",
  "destination_trace_id": null,
  "destination_settlement_date": "2024-03-21",
  "destination_payment_method": "paper",
  "destination_status": "pending",
  "reversal_id": null,
  "error": null,
  "metadata": null,
  "created_at": "2024-03-14T16:15:26.074Z",
  "updated_at": "2024-03-14T16:15:26.074Z"
}