The time it takes to pay a liability depends on the type of liability account and where the money is coming from.
Direct liabilities (Method & Spinwheel)
For direct liabilities, payments usually take 2–5 business days to process.
Once the transfer is sent, it goes straight to your liability (like your credit card or loan) and gets applied directly to pay it down.
The exact timing depends on the biller and how quickly they post payments.
Manual liabilities (Plaid & Finicity)
Manual liabilities work differently. Instead of sending funds straight to the liability, the money is first moved into a holding Pod inside Sequence.
From there, your liability’s autopay pulls the funds out and applies them to your debt.
The speed depends on where the funds are coming from:
If the source is a Sequence account
The money moves into the holding Pod instantly. It’s ready right away for your liability’s autopay to pull.If the source is an external account
It takes 2–3 business days for the funds to arrive in the holding Pod.
Once they’re there, the autopay will pull them on your biller’s schedule.
A quick reminder
Manual liabilities always involve two steps:
Moving funds into the holding Pod
Your liability’s autopay pulling from that Pod
Because of this, you’ll want to make sure the Pod is funded before your autopay date.
For a clearer understanding of how direct and manual liabilities differ (and how to set them up), check out the previous page where we explain both in detail.
Next up: we’ll walk through liability-specific rule actions and automations and how they work inside Sequence.