Same Day ACH Payout For A Seller

If you don’t see your payout yet, don’t worry. Your funds are safe. It may be because of how Same Day ACH works. Timing depends on business days, cutoff windows, and your bank’s posting schedule.

Quick Summary

Payouts only process on business days (no weekends or federal holidays).
Same Day ACH cutoff times (Eastern Time):
- 10:30 AM ET → funds by ~1:30 PM local bank time
- 2:45 PM ET → funds by ~5:00 PM local bank time
- 4:45 PM ET → funds by your bank’s end of day
Payments after 4:45 PM ET are sent the next business day.

Real-World Examples

Example A: Trigger at 9:50 AM ET (Mon) → morning window → funds by ~1:30 PM local time Monday.
Example B: Trigger at 2:10 PM ET (Tue) → midday window → funds by ~5:00 PM local time Tuesday.
Example C: Trigger at 5:05 PM ET (Wed) → after last window → submits next business day (Thu) → funds Thursday afternoon/evening.
Weekend/Holiday: Trigger at 3:00 PM ET (Sat) → ACH closed → submits next business day (Mon).

How it Works in DealNow

Both parties complete DealNow steps and Dealer authorizes payment.
DealNow verifies the transaction and triggers your ACH payout.
We submit your payout to the next available Same Day ACH window.
- If missed, it goes in the next window that day.
- If after the last cutoff, it submits the next business day.
Your bank posts funds according to ACH rules and its own posting cycle.

FAQ & Important Notes

“Funds available” means when your bank makes money available, not just when ACH settles.
Cutoff and settlement times are set by the ACH network; DealNow cannot change your bank’s posting speed.
If your bank misses a required availability deadline, contact your bank directly and notify DealNow Support.

Step 6 Payment. D-Pay. Seller's Payout is enabled for: States their bank, shows 'Same Day ACH' and an underlined text: 'View ACH transfer times — What is shown before deal closes

Same Day ACH cutoff times chart showing three Eastern Time deadlines: Morning 10:30 AM (funds by ~1:30 PM), Midday 2:45 PM (funds by ~5:00 PM), and Evening 4:45 PM (funds by bank’s end-of-day). Notes: business days only, no weekends or Federal holidays. If submitted after 4:45 PM ET, payout processes next business day. — What is shown when View ACH transfer times is clicked

If your deal is already closed, you can go to your sold deals tab, select the deal you want, and then open the "Transaction Summary" to see if the funds have been moved out of the buyer's account and if they have moved into your account.

A transaction summary shows $3.00 received from a vehicle sold on 09/24/2025 deposited to Truist bank, total earnings of $3.00, and $50.00 spent on a closing fee paid the same day with a Visa card ending in 4242, for a total paid of $50.00, with the top right showing total received as $3.00. — Found in your closed deal