why does an electronic payment from my bank to my credit card take 4 days to clear?
923058
There lot of internal procedures involved even after u made the payment through online. The bank afterall looks for its own profits, so willl try as much to delay. but u hv a proof dat u made the payment four days back. so u can show dem da payment receipt proof which u ususally get after u made the payment online. \n\nit happened twice wid me that they charge me for late payment though both times it were they who at fault for the delay of procesing. but i had a proof of payment receipt. so i cud straighten the things up with them instantly.\n\nso make sure do keep all the receipts of payment with you. its quite essential especaily when u deal with banks or any such financial institutions. afterall, u're consumer and hv every right to fight for your needs,  your convenience & your choice of dealings.\n\nCheerz!!!
548498
there is a chance that the payment was never processed electronically.  you should contact your on-line bank support and see if the payment ever went through.  if not, then you just have to do it again.\n\nin the future, whenever you make a payment electronically, write down the confirmation number for future reference...
570495
It depends how you are getting it.  If you are getting direct deposit, it will be 8 to 16 days.  A paper check will take about a month.
467442
Get a new card that allows you to do a balance transfer at no cost. on an existing card make a huge purchase that can be returned after 60 days. After 30 days do a balance transfer from new card to existing card. Now return the item/s purchased on the 58 day ( 59th day just looks hoke). Now use the money from the existing card to pay off the new card. Moral of the story: the more you charge and pay off the better your credit score. You have to charge and pay off.
256459
It will be few minutes of action. hardly 1-5 minutes.\n\nWhen u enter your credit card number in any online shopping portal, it will redirected to PAYPAL portal, gets encripted and will validate your account detail with the bank to which you are associated. after validation, it will send the details to the shopping portal and ur shopping basket will be authorized for confirmation... Once you confirm your shopping cart, again paypall will pass on this info to bank and accordingly your account gets debitted.
23245
A Pending payment is a credit card transaction that has been Authorized, but not yet captured. The paymant will stay pending for 30 days, at which time, you'll need to reauthorize the card.\n\nYou have two choices; either capture the payment now using either the PayPal website or the PayPal Authorize and Capture API, or you can process the payment as a Sale, which will do an immediate capture when the payment is authorized.
188990
It may take a long time depending on how you send it if it is thru fed ex it will go faster from a day to a week but if it is normal post it may take upto a month or even more...If you are sending something important to you and u are sending it thru normal post id recommend putting insurance on it they make sure the person does receive it and in case it gets lost they pay a certain amount of money to you
451599
First be aware that Debit Cards and Check Cards are often interchanged in such discussions.  Next, know that times vary from various institutions.\n\nPersonally, the bank I work with 'brings in' debit transactions every morning.  So when a member used their card to make a purchase, the account is "Pinged" to verify it's existence, and availability of funds.  However there is no freeze or transfer until later.  Usually 24 hours or so, though sometimes longer.\n\nThere is a case I'm familar with though while working at a hotel, where if a guest paid w/a Debit Card, +20% of the bill would be 'frozen' until payment cleared.  Not sure why, but it was the stated policy of the hotel.
970717
its called a test debit.the credit card company are seeing if the details you have given them are true and also to see if you can afford to have a credit card.....it will appear on your account and disappear next day.this happens a lot when you switch items on a debit card its nothing to worry about but to put your mind at rest phone the credit card company...........
944557
go to www.propay.com . you pay an initial fee upfront depending on how much credit card processing you expect to do and then you can process credit cards through their service for an entire year. they are extremely easy to use. You can then either transfer the money to checking account or their own debit card, which is usually done within 48 after you make the request to transfer to checking and if you chose to use the debit card it is available within 24 hours of you processing the transaction
923352
When the debit card is used as a credit card I notice that the monies are withdrawn without being earmarked.  When the card is used as a debit card (when the PIN is entered) it gets earmarked immediately and withdrawn as the payment is processed through the clearinghouse.  \n\nBut I have also noticed that when I use my debit card at a restaurant the transaction is never earmarked, it just goes through.
370745
assuming your connection is always at max transfer and there is no other traffic on the connection, it would take about 22 hours.  Realistically, however, it will take almost 2 days.
68485
Hi - that depends entirely on the payee, with which bank his credit card merchant account is, which point of sale machine the merchant uses-and on how that person does business.  Many credit card merchants do not process their transactions daily-some wait till they have a certain dollar amount or certain number of transactions and then make their 'deposit' of a group of transactions. Others have arrangements for their transactions to be automatically processed (these are usually very high usage merchants).  A good example of this: when you use your credit card at gas stations, regardless of whether it is a holiday or not, you will see your transaction immediately from some stations and a day or two later from others.  In addition, you may see a $1-3 charge on your account that is a 'holder' amount to verify to the merchant's processor that the card used is valid; this small amt vanishes when the real cost of the gas goes through.
400597
Payment is made by the buyer, but is not yet cleared, beacuse of several reasons.\nThe buyer may be new to Paypal.\nMay have paid by e-check takes about 5 days.\nBuyer account is not varified - sometimes.\nBug in the system - which can show this message.
110760
Why don't you contact the c/c customer service via their website? With a computer, you can get answers as fast as 48 hours. I have NEVER had any problems(knock on wood!) doing business with my bank or c/c company using their "help" or "ask us" section using my computer. All my payments have debited from my checking account on time and I haven't been late for a long time. The sites are secure and so far, I have not had my identity stolen or any other problems.\nThey aso have 800 numbers and you can talk "live" with a rep. \nIt is April and your problem occured almost 6 months ago. You better hurry or your credit will be shambles!
40233
There are strict rules and regulations on when ACH items will post to your account.  \n\nAre you talking about something you initiated like a scheduled bill pay?  If so, it will depend on when you told your financial institution payment must be made, the settlement date. \n\nMoney from your account cannot be deducted before that date even if the other bank sends the ACH deduction earlier than the settlement date.\n\nHowever, if problems are encountered, the deduction may occur after the settlement date.\n\n\nIf you want more information, try www.nacha.org the site of the National Automated Clearinghouse Association.
87278
Usually after you recieve ur FEDs your state should be arriving a week to two weeks later... State always takes longer... Next time I suggest having everything direct deposited into a bank account it's so much more convenient and it's quicker...