Timing is important when paying bills. When your payment arrives depends on how you choose to pay your bill and what delivery method you choose to send your payment to your vendor. This article explains how long payments take to arrive in the vendor’s account or mailbox, depending on which payment and delivery method were used.
This guide includes:
Breakdown of our typical delivery timelines
Some payment and delivery methods are faster than others. Below, you can find a comparison of the delivery timelines of checks and ACH Bank Transfers.
| Payment Method | Delivery Time |
| Bank Account |
|
Any payments submitted before 9 pm ET / 6 pm PT are processed that day.*
Any payments submitted before 2 pm ET / 11 am PT are processed that day.* | |
| |
| Credit or Debit Card |
|
| |
|
*Any payments submitted after this time will only start processing the following business day.
Things that may affect payment delivery time
- Federal Holidays may lead to potential USPS delivery delays when sending checks. When choosing your check delivery date, Federal Holiday dates will be blocked on the Gusto Bill Pay calendar. We recommend scheduling payments sooner so they get to your vendor on time during the holidays.
- When submitting a payment to a vendor for the first time, we may need a little extra time to review the payment. Schedule these in advance to avoid any delays.
- We recommend attaching an invoice whenever possible to prevent compliance delays.
- Bank account to ACH payments exceeding $100,000 are delivered within 4 business days.