Here's all you need to know about credit card batch schedules and when credit card transactions deposit to the bank account.
Related Articles:
- Vagaro Credit Card Processing Fees and Rates
- How to Run a Transaction Report and Find Customer Transactions
- How to Know if your Credit Card Application Has Been Approved
Let's get started!
When Do Deposits Batch?
| Batch Day | Deposit Day | Duration |
| Monday | Tuesday | 1 Day |
| Tuesday | Wednesday | 1 Day |
| Wednesday | Thursday | 1 Day |
| Thursday | Friday | 1 Day |
| Friday | Tuesday | 3 Day |
| Saturday | Tuesday | 2 Days |
| Sunday | Tuesday | 2 Days |
*Remember, transactions that occur before 3 PM Pacific Time or 6 PM Eastern Time are included in a single batch. It then takes about 24 hours to deposit to the bank account. One of the few exceptions are transactions that occur after 3 PM on Friday as well as those that happen on Saturday or Sunday. These take 2 days to deposit to the bank. This is due to banks being closed on Sundays.
If a transaction occurs after the 3 PM cut off time, it's included in the next day's batch. There also is a two-day deposit time for transactions that occur before a holiday.
Who do I contact if I have questions?
You can call Vagaro directly at 800-919-0157. We are available 7 days a week, Monday through Friday from 6 AM - 7 PM, Saturday 7 AM - 5 PM and Sunday 7 AM - 4 PM. These times are all in Pacific Time. You can also email us at support@vagaro.com.
Who do I contact to order my free reader?
Once your credit card application is approved, you'll be prompted to order your free reader. For more information, click this link: How Do I Get a Free Reader?
You can also contact Vagaro directly at 800-919-0157 x2. We are available 7 days a week, Monday - Friday from 6 AM - 7 PM, Saturday 7 AM - 5 PM and Sunday 7 AM - 4 PM. These times are all in Pacific Time.
Non-Qualified Fees
Non-Qualified fees are a range of higher interchange rates that are bucketed into a single-line item. The bank defines these as fees assessed by Visa/MasterCard on transactions they deem riskier and/or costly. Unqualified fees are usually assessed due to typed-in transactions, corporate cards, foreign credit cards, and certain rewards/bonus/cashback/airline type cards.
Transactions that occur on Holidays
If a transaction occurs on a holiday, this means that it will deposit to your bank account in two days. This is different than the normal schedule, in which transactions typically take about a day to deposit, with exceptions to weekends since the banks are closed on Sundays.
To view the complete 2018-2022 holiday schedule as observed by the Federal Reserve System, click this link: How the Holiday Schedule Affects Your Credit Card Deposits.
Comments
5 comments
Will you receive automatic emails after each credit card transaction and Batch reports daily from the Vagaro account?
Hi Marvin. The batch cut off time is 3 PM Pacific Time.
Please change credit card processor from big business to small business card processor
I would like to know the answer to this question as well. I use to have a settlement report and this is missing with the new mercahant. Please help.
what time is the cut off everyday for the deposit that are made the next day?????
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