Payment Types and Deposit Timelines
Understanding payment processing times is crucial when collecting payments through your ProLine account. ProLine payments can be processed as card transactions (credit cards, debit cards) or ACH (Automated Clearing House) payments. Each method follows different timelines for the money to be deposited into your bank account.
Card Transactions
Card transactions are typically deposited one business day after the transaction date. For example, payments processed on Monday are generally deposited by the end of the day on Tuesday.
Exceptions:
Payments processed after 4 PM Eastern Time (1 PM on the West Coast) are usually pushed to the next business day. This means payments made after these times on a Friday are processed the following Monday morning and deposited on Tuesday.
Banking holidays may cause deposits to be delayed by an additional business day.
Note: These timelines are set by the banks and payment processors. ProLine has no control over these timelines.
ACH Transactions
Deposit Timeline: ACH payments take longer due to increased risk and verification processes. Generally, if an ACH payment is processed on Monday, it will be deposited into your bank account four business days later, on Friday.
Special Cases:
Payments processed after 4 PM Eastern Time (1 PM on the West Coast) are usually pushed to the next business day. This means payments made after these times on a Friday are processed the following Monday morning and deposited by the end of the day of the following Friday (a total of 7 days after the original payment).
Banking holidays may cause deposits to be delayed by an additional business day. For instance, if an ACH payment comes in after banking hours on a Friday before a Monday holiday, it is processed on Tuesday and may not be deposited until the following Monday (a total of 10 days after the original payment).
Note: These timelines are set by the banks and payment processors. ProLine has no control over these timelines.
We have an ongoing feature request for faster ACH deposit timelines (which we are relaying to our processing partners). Please view and vote on that idea here.
Tracking Payment and Deposit Status
To monitor the status of your payments and deposits:
Payment Information: Click on the payment information icon on the payment card located in the payments tab of the Billing area in the Project to access the detailed processor and transaction status. This includes information on any chargebacks or returns.
Deposit Details: Go to the Billing tab under Company Settings, scroll to the bottom, and click on Deposit Reports to view the status of deposits. Even if a deposit shows as successful, it may take up to 24 hours for your bank to reflect the amount in your balance.
The Deposit Report:
Contacting Support
Before reaching out to ProLine support, check the payment and deposit status through the tools provided in your account.
If you notice discrepancies, contact your bank first to address why the payment has not been reflected in your balance.
If issues persist after contacting your bank, reach out to ProLine support for further assistance. We can investigate with our payment processors and involved banks to obtain more detailed information, although this may take some time.
If you encounter difficulties or have further questions, contact our support team by emailing support@proline.app or by starting a conversation through the chat in the lower right corner of your screen. We're here to help you with any issues or concerns!