> ## 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.

# Oldest Pending Payout (days), Authorize.net

> Oldest Pending Payout (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

> Days since the **oldest pending Authorize.Net capture** that has not yet been acquirer-funded. The "stuck money" signal: anything older than typical acquirer settlement window (5 days) is a problem.

|                        |                                                                                |
| ---------------------- | ------------------------------------------------------------------------------ |
| **What it counts**     | `MAX(today - capture_date)` where the capture has not been acquirer-deposited. |
| **Healthy**            | \<2 days. Mid-warning: 2 to 5 days. Critical: >5 days (acquirer-side issue).   |
| **Reserve effect**     | Reserve-held funds excluded; the card represents in-flight not in-reserve.     |
| **eCheck.Net (ACH)**   | Tracked separately; ACH lag is structurally longer (3 to 5 business days).     |
| **Holiday adjustment** | Federal Reserve holidays push the threshold by 1 day.                          |
| **Alert trigger**      | `>5 days`.                                                                     |
| **Sentiment key**      | `gauge_inverse: good<=2, warn>5`                                               |
| **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.", check at end of day 02 May 26.

| Capture date | Method | Amount     | Days since | Status           |
| ------------ | ------ | ---------- | ---------- | ---------------- |
| 30 Apr 26    | Visa   | USD 1,840  | 2          | Funded 02 May 26 |
| 01 May 26    | Visa   | USD 412    | 1          | Pending T+1      |
| 02 May 26    | Visa   | USD 88,200 | 0          | Pending T+1      |
| 28 Apr 26    | eCheck | USD 4,800  | 4          | Pending NACHA    |
| 24 Apr 26    | Visa   | USD 1,200  | 8          | **STUCK, alert** |

The 24 Apr 26 capture at 8 days is the alert. Investigate: chargeback hold, FDS reserve, acquirer reconciliation issue. Contact Elavon merchant services with the transaction ID.

## Sibling cards merchants should reference together

| Card                                                                                   | Why pair it                                   |
| -------------------------------------------------------------------------------------- | --------------------------------------------- |
| [`aut_avg_settlement_days`](/nerve-centre/kpi-cards/authorize-net/avg-settlement-time) | Average settlement; this card flags outliers. |
| [`aut_payouts_pending`](/nerve-centre/kpi-cards/authorize-net/pending-payouts)         | Total pending dollar balance.                 |
| [`aut_dispute_rate`](/nerve-centre/kpi-cards/authorize-net/dispute-rate)               | Stuck funds often indicate dispute holds.     |

## Reconciling against the vendor's own dashboard

**Where to look:**

Authorize.Net Dashboard → **Reports → Settled Transactions** sorted by capture date ascending; the top row is the oldest unfunded. Cross-check against the acquirer's funding statement.

**Why our number may differ:**

| Reason                  | Direction                     | Why                                                                    |
| ----------------------- | ----------------------------- | ---------------------------------------------------------------------- |
| **Reserve withholding** | Theirs counted, ours excluded | We exclude reserve-held funds from "pending"; Dashboard may show them. |
| **Time zone**           | Boundary days off             | Pacific batch cut-off vs UTC.                                          |

## Known limitations / merchant FAQs

**My oldest payout shows 8 days, what to do?**
Investigate immediately. Common causes: (1) chargeback hold (the funds are held during dispute), (2) FDS reserve trigger (an automated risk-rule held the batch), (3) acquirer reconciliation issue (rare). Call the acquirer with the specific transaction ID.

**Reserve-held funds, do they show here?**
No. Reserve is acquirer-policy-driven (typically 5 to 10% rolling reserve held 90 days for newer or higher-risk merchants); excluded from this card.

**Same-day funding, does it remove this card's relevance?**
No. Even with same-day funding, occasional captures can stick (chargeback holds, FDS triggers). The card flags exceptions to the normal flow.

**eCheck.Net always 3 to 5 days, normal?**
Yes. NACHA standard ACH. The card's threshold for ACH is the structural 5 days; alert only fires above 7.

**Acquirer reconciliation issue, frequency?**
Rare on major acquirers (Elavon, Vantiv, Fiserv). Usually corrects itself within 1 to 2 business days. Persistent issues (>5 business days) require manual reconciliation with the acquirer.

***

### Tracked live in Vortex IQ Nerve Centre

*Oldest Pending Payout (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.