One of the most common questions we get is "if I take a payment late at night, when do I get paid for it?" This article walks through how your card payments turn into a deposit in your bank account, what the daily cutoff time is, and what you need to do to make it happen (spoiler, nothing, it's all automatic).

That's the standard setup for most ValPay merchants. Every business is a little different though, so if your account was set up with a different schedule, see the Your Setup May Be Different section below.

Your sales day is the window of time we use to group your transactions together before they're settled. Think of it like closing out the register at the end of the night, except it happens on its own.

By default your sales day ends at 11:59:59 PM local time. That's your cutoff time. Anything you process before the cutoff counts toward that day, and anything after it rolls into the next sales day.

If you run a sale at 11:00 PM, it still counts toward that day's sales and it gets paid out the next business day along with everything else from that day. It doesn't get pushed back a day just because it was late.

📌 Example (standard setup):

No. If you've used other processors in the past you might be used to closing or settling your batch at the end of the day, but that's not something you need to do with ValPay.

Here's why. Your transactions are typically captured right away when the payment is approved, which means they're immediately marked as ready to settle. Then when your sales day closes, everything is settled automatically. There's no button to press and no end of day report you need to run for your money to move.

Once your sales day closes, here's what happens:

So if you don't see the deposit first thing in the morning, that's normal. Most banks post it later in the day.

Deposits only go out on business days, so Friday, Saturday and Sunday sales all land on Monday. You'll usually see them as separate deposits for each sales day, though some banks show them combined.

📌 Bank holidays: If Monday is a bank holiday, your Friday, Saturday and Sunday sales will be deposited Tuesday instead.

Your deposit is your net amount for the sales day, not your gross sales. A few things can be taken out before it's sent:

Here's how a refund flows through settlement and comes out of your next deposit:

If refunds or chargebacks are bigger than your sales for the day you may not get a deposit at all, and future sales will cover the difference first. More on that in Missing a Deposit?

Everything above is our standard setup, and it's what most merchants have. Some accounts are set up differently to fit how the business runs, for example:

If you're not sure how your account is set up, or you think a different cutoff time would work better for your business, reach out to your support team and they can take a look.

If you changed banks, let your support team know right away so your account can be updated before your next deposit. For a full checklist, see Missing a Deposit?

I took a payment at 11:00 PM. When do I get paid for it?
The next business day, same as the rest of that day's sales.

Is the cutoff in my time zone?
Yes. Your sales day is based on your local time, so there's no time zone math needed.

Do I need to settle or close out my terminal at night?
No. Settlement happens automatically.

Can my cutoff time be changed?
In many cases yes. Reach out to your support team and let them know what hours your business runs. Changes only apply going forward and won't affect sales days that already closed.

Where can I see which transactions were in a deposit?
Log in to the ValPay Portal and check the Deposits tab, or the Transactions tab filtered by date.

If you have questions about your deposit timing or your cutoff time, reach out to your support team. That's the team that set up your account or the one you normally contact for help. Include your business name, the sales date, and the deposit amount you were expecting so they can look into it quickly.