Get Your Deposits Faster with Host Merchant Services

Next Day Funding from Host Merchant Services keeps your cash flow moving without delays.
Affordable merchant services for seamless payment processing.

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:

Secure payment processing with Host Merchant Services for seamless transactions.
Transaction Initiation
A customer pays with a credit or debit card, either in-store or online.
Secure payment processing solutions for businesses at Host Merchant Services.
Authorization
Host Merchant Services verifies the transaction through the card networks for real-time approval.
Secure payment processing with Host Merchant Services for seamless business transactions.
Batching
At the end of your business day, you or your terminal “batch out” or close all transactions.
Secure payment processing solutions for businesses by Host Merchant Services.
Settlement
The batch is sent to your acquiring bank and card networks for settlement.
Secure payment processing solutions for businesses by Host Merchant Services.
Funding
If your batch is submitted before the cut-off deadline, your deposit is initiated immediately.
Secure payment processing solutions for businesses from Host Merchant Services.
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:
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Faster Deposits

Access your funds the next business day to maintain a healthy cash flow.

Red gear with dollar sign icon representing payment processing solutions.
Automated Batch Settlements

We can set your terminal to auto-batch at the same time every day

Secure credit card payment processing with Host Merchant Services.
Flexible for Every Industry

Available for retail, restaurants, eCommerce, service providers, and more.

Reliable merchant payment solutions for small and large businesses.
Secure, PCI-Compliant Processing

Enjoy peace of mind with bank-level data protection.

24/7 merchant payment processing solutions for businesses of all sizes.
24/7 Support

Automate reporting, reduce errors, and save time so you can focus on growing your pawn shop instead of chasing payments.

Affordable merchant services for seamless payment processing solutions.

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

Request a Free Consultation
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See How Next Day Funding Works for Your Business

Get expert guidance on cutoff times, batching, and faster deposits with Host Merchant Services.

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faq next day funding times

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.