Timing is important when paying bills. This article explains how long payments take to arrive in the vendor’s account or mailbox, depending on which payment and delivery method were used.
Here’s a breakdown of our delivery timelines:
| Payment Method | Delivery Method | Delivery time |
|---|---|---|
| Capital One Business Card/debit card | Bank transfer (ACH) |
Same business day Payments scheduled until 2 pm ET / 11 am PT are processed that day.* |
| Paper check (USPS) | 5- 7 business days | |
| Fast check (FedEx) | 3 business days | |
| Paying by bank transfer (ACH) | Bank transfer (ACH) |
3 business days Payments scheduled until 9 pm ET / 6 pm PT are processed that day.* |
| Same-day ACH |
Same business day Payments scheduled until 2 pm ET / 11 am PT are processed that day.* |
|
| Paper check (USPS) | 5-7 business days | |
| Fast check (FedEx) | 3 business days |
*IMPORTANT NOTE: Processing time for ACH delivery
- Any payments submitted after this time will only start processing the following business day.
- Bank account to ACH payments exceeding $100,000 are delivered within 4 business days.
Things that may affect payment delivery time
- Federal holidays may affect delivery timeץ
- If you're sending a vendor a request to fill out their payment delivery details, the estimated delivery time depends on when they fill out their details.
- When submitting a payment to a vendor for the first time, it may take a little extra time to review the payment. Schedule these in advance to avoid any delays.
Learn more about tracking payments:
- Track the progress of your payment
- How to find a check number of a payment?
- How can I track an ACH payment?