Each payment rail has a daily cut-off time and a predictable set of status-change times. A transaction created before the cut-off is picked up in the current processing window; one created after it rolls to the next business day. Use this page to understand when a transaction moves through SCHEDULED, PENDING, PROCESSING, COMPLETED, and FAILED, and when funds credit or debit the external bank account.
All times are U.S. Pacific Time. For the meaning of each status and how to track a transaction, see Transaction lifecycle.
📘Times reflect standard processing windows and can shift on weekends, U.S. bank holidays, and during network disruptions. Confirm program-specific windows with your account management team.
| Event | Timing |
|---|
Cut-off time (SCHEDULED) | Quick Settle: No |
PENDING and PROCESSING | 15 minutes after schedule creation. After processing, funds are credited to the customer account instantly. |
COMPLETED | 11:00 PM (business day 0) |
FAILED | 11:00 AM |
CANCELLED | Allowed before the status changes to PROCESSING |
| Return list | 11:00 AM |
| Credit/debit in external bank account | SDA: same day. FDA: next business day. |
| Event | Interval 0 | Interval 1 | Interval 2 | Interval 3 |
|---|
Cut-off time (SCHEDULED) | Window 1: 06:00 AM, Window 2: 09:30 AM, Window 3: 10:45 AM | Same as interval 0 | Same as interval 0 | Same as interval 0 |
PENDING and PROCESSING | 15 min after schedule creation | 15 min after schedule creation | 15 min after schedule creation | 15 min after schedule creation |
COMPLETED | Window 1: 10:15 AM (day 0); Windows 2 and 3: 03:00 PM (day 0) | 05:45 AM (business day 1) | 05:45 AM (business day 2) | 05:45 AM (business day 3) |
FAILED | 11:00 AM | 11:00 AM | 11:00 AM | 11:00 AM |
CANCELLED | Before status changes to PROCESSING | Before PROCESSING | Before PROCESSING | Before PROCESSING |
| Return list | 11:00 AM | 11:00 AM | 11:00 AM | 11:00 AM |
| Credit/debit in external bank account | Same day | Same day | Same day | Same day |
| Event | Interval 0 | Interval 1 | Interval 2 | Interval 3 |
|---|
Cut-off time (SCHEDULED) | 3:30 PM | 3:30 PM | 3:30 PM | 3:30 PM |
PENDING and PROCESSING | 15 min after schedule creation | 15 min after schedule creation | 15 min after schedule creation | 15 min after schedule creation |
COMPLETED | 05:30 AM (business day 1) | 05:30 AM (business day 2) | 05:30 AM (business day 3) | 05:30 AM (business day 4) |
FAILED | 11:00 AM | 11:00 AM | 11:00 AM | 11:00 AM |
CANCELLED | Before status changes to PROCESSING | Before PROCESSING | Before PROCESSING | Before PROCESSING |
| Return list | 11:00 AM | 11:00 AM | 11:00 AM | 11:00 AM |
| Credit/debit in external bank account | Next business day | Next business day | Next business day | Next business day |
| Event | Timing |
|---|
Cut-off time (SCHEDULED) | Window 1: 06:00 AM, Window 2: 09:30 AM, Window 3: 10:45 AM |
PENDING and PROCESSING | 15 minutes after schedule creation |
COMPLETED | Window 1: 09:45 AM, Window 2: 11:00 AM, Window 3: 12:00 PM |
FAILED | 11:00 AM |
CANCELLED | Before the status changes to PROCESSING |
| Return list | 11:00 AM |
| Credit/debit in external bank account | Same day |
| Event | Timing |
|---|
Cut-off time (SCHEDULED) | 3:30 PM |
PENDING and PROCESSING | 15 minutes after schedule creation |
COMPLETED | 7:00 PM |
FAILED | 11:00 AM |
CANCELLED | Before the status changes to PROCESSING |
| Return list | 11:00 AM |
| Credit/debit in external bank account | Next business day |
| Event | Timing |
|---|
Cut-off time (SCHEDULED) | 3:30 PM |
PENDING and PROCESSING | 15 minutes after schedule creation |
COMPLETED | 7:00 PM |
FAILED | 11:00 AM |
CANCELLED | Before the status changes to PROCESSING |
| Return list | 11:00 AM |
| Credit/debit in external bank account | Next business day |
Applies to standard, overnight, and 2-day check delivery.
| Event | Timing |
|---|
Cut-off time (SCHEDULED) | 9:30 AM |
PENDING and PROCESSING | 15 minutes after schedule creation |
COMPLETED | After check presentment (next business day of check deposit) |
FAILED | 11:00 AM |
IN_DELIVERY | 11:45 PM |
CANCELLED | Before the status changes to PROCESSING |
| Credit/debit in external bank account | Upon depositing the check |
| Event | Domestic | International (USD and non-USD) |
|---|
Cut-off time (SCHEDULED) | 1:30 PM | 12:00 PM |
PENDING and PROCESSING | 15 min after schedule creation | 15 min after schedule creation |
COMPLETED | 6:30 PM (business day 0) | 6:30 PM (business day 0) |
FAILED | 6:30 PM (business day 0) | 6:30 PM (business day 0) |
CANCELLED | Before status changes to PROCESSING | Before status changes to PROCESSING |
| Return list | 6:30 PM (business day 0) | 6:30 PM (business day 0) |
| Credit/debit in external bank account | Same day | Next business day |
| Event | Timing |
|---|
Cut-off time (SCHEDULED) | Instant |
PENDING and PROCESSING | 15 minutes after schedule creation |
COMPLETED | 15 minutes after schedule creation |
CANCELLED | Before the status changes to COMPLETED |
| Credit/debit | Balance update and ledger entry in the Passport account reflect within 20 minutes |
| Event | Quick Settle | Realization interval 0 | Realization interval 1 |
|---|
Cut-off time (SCHEDULED) | No | 3:30 PM | 3:30 PM |
APPROVED | Instant. After APPROVED, funds are credited to the customer account immediately. | Instant | Instant |
PENDING | Instant | Instant | Instant |
COMPLETED | 11:00 PM (business day 0) | 05:30 AM (business day 1) | 05:30 AM (business day 2) |
VOID | Before 3:45 PM | Before 3:45 PM | Before 3:45 PM |
| Event | Timing |
|---|
Cut-off time (SCHEDULED) | 3:30 PM |
APPROVED | Instant |
PENDING | Instant |
PROCESSING | Instant |
COMPLETED | 11:00 PM (business day 0) |
| Event | Quick Settle | Realization interval 0 | Realization interval 1 | Realization interval 3 |
|---|
Cut-off time (SCHEDULED) | No | 2:00 PM | 2:00 PM | 2:00 PM |
PENDING and PROCESSING | 15 min after schedule creation. After processing, funds are credited instantly. | 4:00 PM | 4:00 PM | 4:00 PM |
COMPLETED | 11:00 PM (business day 0) | 05:30 AM (business day 1) | 05:30 AM (business day 2) | 05:30 AM (business day 3) |
CANCELLED | Before status changes to PROCESSING | Before PROCESSING | Before PROCESSING | Before PROCESSING |
| Return list | 6:30 PM (business day 3) | 6:30 PM (business day 3) | 6:30 PM (business day 3) | 6:30 PM (business day 3) |
| Credit/debit in external bank account | Next business day | Next business day | Next business day | Next business day |
A remote check deposit can move to FAILED at different points during the realization interval:
- Instant, if the check image is unclear.
- By 4:00 PM, if duplicate MICR details are detected.
- If the check is returned by the payer's bank before the realization interval is over.
