How long does it take to receive funds after my client paid their invoice?
This article covers payments from your customer to you (invoice payments / incoming funds).
Timing depends on the payment method and where the funds are deposited. Depositing to your Beam Balance is one business day faster than depositing to a bank account.
| Payment method | To your bank account | To your Beam Balance |
|---|---|---|
| ACH | 2–3 business days | 1–2 business days |
| Credit card | 1–2 business days | Instant |
Banks typically post funds around 5:00 PM Pacific Time, so an ACH transfer may not appear in your account right away. If it still hasn't posted by the next business day, reach out to your bank first.
Why might my payment take longer than expected?
A few situations can hold a payment up beyond the standard timeline:
- Weekends and bank holidays: Processing times are counted in business days. ACH payments don't move on weekends or federal bank holidays, so a payment initiated right before a holiday or long weekend may take a little longer to complete.
- Extra verification: Occasionally, Stripe — our payment processor, and the same one that handles your Beam subscription — adds a short additional review step to a payment as a routine fraud-prevention measure. This is more common early on, before an account has built up a history of sending and receiving payments. When it happens, it can add a few extra business days on top of the standard timeline.
- If a payment does get an extra verification step, no action is needed on your part. It resolves on its own and typically won't recur once your account has built up some payment history.
If you have questions about a specific payment, reach out to Customer Support and we're happy to take a look.