> ## Documentation Index > Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt > Use this file to discover all available pages before exploring further. # Avg Settlement Time (days), Authorize.net > Avg Settlement Time (days) for Authorize.net stores. Tracked live in Vortex IQ Nerve Centre. How to read it, why it matters, and how to act on it. **Metrics type:** [Supporting Metrics](/nerve-centre/overview#metrics-types-explained) • **Category:** [Payment Gateway](/nerve-centre/connectors#connectors-by-type) ## At a glance > Average days from successful capture to acquirer-funded bank deposit. Measures the cash-flow lag between customer-paid and merchant-cash-in-bank. Acquirer-driven, not Authorize.Net-driven (Authorize.Net hands the batch off; the acquirer funds). | | | | ------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **What it counts** | `AVG(deposit_date - capture_date)` for settled card transactions. eCheck.Net (ACH) tracked separately due to structurally longer lag. | | **Typical card baseline** | T+1 to T+2 business days for major US acquirers (Elavon, Vantiv / Worldpay / Fiserv, TSYS). Same-day funding available for some accounts at premium fee. | | **eCheck.Net (ACH)** | T+3 to T+5 business days. NACHA-rule-driven, not negotiable. | | **Holiday impact** | Federal Reserve holidays push funding by 1 day. | | **Reserve effect** | Acquirers may withhold a rolling reserve (typically 5 to 10% for 90 days) on newer or higher-risk merchants; this card excludes reserved funds from the deposit calc. | | **Currency** | USD-dominant. | | **Time window** | `30D`. | | **Alert trigger** | `>5 days` flags acquirer-side settlement issue. | | **Roles** | owner, finance | ## Calculation Calculated automatically from your Authorize.net data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading. ## Worked example "Heartland Hardware Co.", Elavon-acquired, 30 days ending 02 May 26. | Method | Avg days | Notes | | --------------------- | -------- | ---------------------------- | | Visa / Mastercard | 1.8 | Standard T+1 to T+2 | | Amex | 2.3 | Amex direct, slightly slower | | Discover | 2.0 | Direct | | eCheck.Net (ACH) | 4.1 | NACHA rules | | **Card-only blended** | **1.9** | | | **Including ACH** | **2.4** | | Notes: 1. **1.9 days for cards is normal.** Elavon funds Mon-Fri at T+1 with same-day cut-off at 16:00 PT. 2. **A capture on Friday 14:00 PT settles Monday morning.** That's 3 days clock time, T+1 in business days. The card averages T+1 to T+2 over the month due to weekends. 3. **eCheck.Net at 4.1 days reflects NACHA standard.** No way to speed this up without paying for "Same Day ACH" service. 4. **Holiday impact: 28 May 26 (Memorial Day).** A Friday-before-Memorial-Day capture funds on Tuesday, an extra day delay. 5. **Reserve-held funds excluded.** Heartland is on a no-reserve account (10+ years processing history); newer merchants may see headline number lower because reserved funds aren't counted in deposits. ## Sibling cards merchants should reference together | Card | Why pair it | | --------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------ | | [`aut_payouts_pending`](/nerve-centre/kpi-cards/authorize-net/pending-payouts) | Captured-but-not-yet-deposited balance. | | [`aut_payout_age_days`](/nerve-centre/kpi-cards/authorize-net/oldest-pending-payout) | Oldest pending payout. | | [`aut_total_volume`](/nerve-centre/kpi-cards/authorize-net/total-volume) | Gross volume; this card shows lag to bank. | | Stripe [`stripe_avg_settlement_days`](/nerve-centre/stripe/stripe_avg_settlement_days) / PayPal [`pp_avg_payout_days`](/nerve-centre/paypal/pp_avg_payout_days) | Cross-PSP comparison. | ## Reconciling against the vendor's own dashboard **Where to look:** Authorize.Net Dashboard does not show settlement-lag directly; refer to the acquirer (Elavon / Vantiv / Fiserv) statement and the merchant business-bank account deposit dates. **Why our number may differ:** | Reason | Direction | Why | | ----------------------- | ----------------- | ------------------------------------------ | | **Time zone** | Boundary days off | Pacific batch cut-off vs UTC. | | **Reserve withholding** | Either | Acquirer reserves not counted as deposits. | | **Holiday calendar** | Either | US Federal Reserve holiday alignment. | **Cross-connector reconciliation:** | Comparison | Expected | Why | | ---------------------------------------------- | -------- | ------------ | | `aut_avg_settlement_days` ↔ acquirer statement | Same | Source data. | ## Known limitations / merchant FAQs **Why is settlement so slow compared to Stripe?** Stripe is a payment-facilitator with its own settlement layer; you get T+2 to T+7 default with options for Instant Payouts. Authorize.Net is a gateway only; the acquirer (your bank's relationship) controls funding. T+1 to T+2 is acquirer-standard. To go faster: ask the acquirer for "Next Day Funding" service (often USD 5 to USD 25/month). **Same Day Funding, available on Authorize.Net?** Some acquirers (Elavon, Vantiv) offer same-day funding as a paid service for a flat or per-transaction fee. Authorize.Net itself doesn't gate this; ask the acquirer. **Reserve hold, when do they apply?** Common for: newer merchants (less than 6 months processing history), high-risk verticals (CBD, supplements, travel-bookings far in advance), seasonal businesses. Typical 5 to 10% rolling reserve for 90 days. Discuss reserve release with the acquirer's risk team. **eCheck.Net is slow, can I speed it up?** NACHA "Same Day ACH" is available; Authorize.Net supports it on Elavon and some other acquirers as a paid feature. Otherwise standard ACH is 3 to 5 business days. **Holiday impact, can I plan around it?** US Federal Reserve holidays (\~10 per year) suspend acquirer funding. End-of-year (Christmas, New Year) and Thanksgiving create the longest lags (3 to 5 business day funding). Plan working capital accordingly. **Visa ownership of Authorize.Net, settlement faster?** No. Visa parent ownership is corporate; settlement speed is acquirer-driven, not gateway-driven. *** ### Tracked live in Vortex IQ Nerve Centre *Avg Settlement Time (days)* is one of hundreds of KPI pulses Vortex IQ tracks across Authorize.net and 70+ other ecommerce connectors. Nerve Centre runs the detection layer; Vortex Mind investigates the cause when something moves; Ask Viq lets you interrogate any number in plain English. [Start for free](https://app.vortexiq.ai/login) or [book a demo](https://www.vortexiq.ai/contact-us) to see this metric running on your own data.