> ## 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), Square

> Oldest Pending Payout (days) for Square 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 last successful payout from Square to your linked bank. Healthy: 1, 2 days (T+1 schedule). >3 days suggests weekend / holiday closure or schedule change. >7 days suggests an account review or banking issue.

|                    |                                                                                                          |
| ------------------ | -------------------------------------------------------------------------------------------------------- |
| **What it counts** | `(now - last_successful_payout.created_at)` in calendar days.                                            |
| **Currency**       | Currency-neutral.                                                                                        |
| **Time window**    | Snapshot.                                                                                                |
| **Alert trigger**  | `>3 days` absolute (excluding weekend / holiday adjusted). Sentiment inverse-gauge: good \<=2, warn >=5. |
| **Roles**          | owner, finance, operations                                                                               |

## Calculation

Calculated automatically from your Square data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.

## Worked example

The bookshop, snapshot 02 May 26:

```text theme={null}
Last payout       = 02 May 26 02:00 CT
Now               = 02 May 26 16:00 CT
Payout age        = 0.6 days

Healthy. T+1 schedule, deposit landed at 02:00, today's volume in flight for tomorrow.
```

A merchant with payout age of 5 days on a Tuesday would be unusual: the previous Thursday was the last payout, suggesting Friday Saturday Sunday Monday Tuesday all had no payout, which means either schedule was paused or no volume was available to deposit.

## Sibling cards merchants should reference together

| Card                                                                            | Why pair               |
| ------------------------------------------------------------------------------- | ---------------------- |
| [`squ_payouts_pending`](/nerve-centre/kpi-cards/square/pending-payouts)         | Amount in flight.      |
| [`squ_avg_settlement_days`](/nerve-centre/kpi-cards/square/avg-settlement-time) | Average over a period. |
| Stripe [`stripe_payout_age_days`](/nerve-centre/stripe/stripe_payout_age_days)  | Cross-PSP.             |

## Reconciling against the vendor's own dashboard

**Where to look in the Square Dashboard:**

> **Balance → All deposits** with newest-first sort. Compare top-row date to today.

**Common divergences:** time-zone (your account's vs UTC).

**Cross-connector reconciliation:** payout age varies per PSP; Stripe defaults to T+2, Square to T+1, so even healthy multi-rail merchants see different ages. Compare each rail to its own benchmark.

## Known limitations / merchant FAQs

**"Payout age of 4 on a Tuesday morning, normal?"**
Possibly. Friday's payout (T+1 from Thursday) lands Friday 02:00. Saturday + Sunday no payouts (banking weekend). Monday's payout (T+1 from Friday) lands Monday 02:00. So Tuesday morning's "age" reads \~1 day. If you're seeing 4 days, something changed.

**"Bank holiday impact?"**
US: Federal Reserve holidays close ACH (typically 10, 11 days/year). UK: bank holidays close BACS / FPS. EU: per-country bank holidays. Square's payout pauses through these, age increases by the holiday count.

**"Why might Square pause my payouts?"**
Risk review (sudden volume surge, dispute spike, suspicious activity), bank-account verification issue (closed bank account at your end), or an active fraud investigation.

**"Same-day Instant Deposit, does that reset age?"**
Yes; Instant Deposit creates a payout record. Age resets to \<1 day after each Instant Deposit.

**"Multi-currency?"**
Per-currency age (a USD-only stream may be on T+1; a GBP stream on T+2).

**"Closed bank account, what happens?"**
Square retains the funds, blocks payouts; merchant must update banking details before payouts resume. Age grows daily until resolved.

***

### Tracked live in Vortex IQ Nerve Centre

*Oldest Pending Payout (days)* is one of hundreds of KPI pulses Vortex IQ tracks across Square 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.