Deposit Schedules Overview
Description: Learn about deposits and schedules for US and Canadian merchants.
Availability: United States, Canada
Select United States or Canada below to view deposit schedules and cutoff times for that region.
Deposit Schedules for United States Merchants
Shift4 defaults most merchants to Next-Day 24-hour funding unless requested or changed otherwise.
Funding types:
- Next-Day Funding 24-hour funding: Funds are deposited the next business day.
- Two-Day Funding 48-hour funding: Funds are deposited on the second business day.
- Same-Day Funding: Funds are deposited between 1:00 p.m. ET and 5:00 p.m. ET.
Note: If your batch is not closed before the cutoff times below, the funds are deposited up to 1 business day later.
Batch Settlement Cut Off Times
The batch settlement cutoff times vary depending on the funding type and time zone.
Next-Day 24-Hour Funding
| Batch Day | Batched Before 11:00 PM EST | Batched After 11:00 PM EST |
|---|---|---|
| Monday | Tuesday | Wednesday |
| Tuesday | Wednesday | Thursday |
| Wednesday | Thursday | Friday |
| Thursday | Friday | Monday |
| Friday, Saturday, or Sunday | Monday | Tuesday |
Two-Day 48-Hour Funding
| Batch Day | Batched Before 5:00 AM EST | Batched After 5:00 AM EST |
|---|---|---|
| Monday | Wednesday | Thursday |
| Tuesday | Thursday | Friday |
| Wednesday | Friday | Monday |
| Thursday or Friday | Monday | Monday |
| Saturday or Sunday | Tuesday | Tuesday |
Same-Day Funding
| Batch Day | Batched Before 8:00 AM EST | Batched After 8:00 AM EST |
|---|---|---|
| Monday | Monday | Tuesday |
| Tuesday | Tuesday | Wednesday |
| Wednesday | Wednesday | Thursday |
| Thursday | Thursday | Friday |
| Friday | Friday | Monday |
| Saturday or Sunday | Monday | Monday |
Federal Banking Holidays
If your deposit is scheduled on a federal banking holiday, it will be delayed by one business day.
For the current list of federal banking holidays, visit the Federal Reserve's banking holiday schedule.
Deposit Schedules for Canadian Merchants
Batch Settlement Cut-Off Times
Next-Day 24-Hour Funding
| Batch Day | Batched Before Recommended Batch Time | Batched After Recommended Batch Time |
|---|---|---|
| Monday | Tuesday | Wednesday |
| Tuesday | Wednesday | Thursday |
| Wednesday | Thursday | Friday |
| Thursday | Friday | Monday |
| Friday, Saturday, or Sunday | Monday | Tuesday |
Note: These are recommended batch times to make sure the merchant makes the next-day funding cut-off.
| Merchant Province | Batch Cut-off Time in Eastern time | Batch Cut-off Time in Merchant Local Time | Batch Cut-off Time Daylight Savings |
|---|---|---|---|
| Newfoundland & Nunavut | Batch of 10:00 pm EST for the cutoff of 10:30 pm EST | Batch of 11:30 pm NST for the cutoff of 12:00 am NST | Batch of 11:30 pm NDT for the cutoff of 12:00 am NDT |
| New Brunswick, Nova Scotia, Prince Edward Island | Batch of 10:30 pm EST for the cutoff of 11:00 pm EST | Batch of 11:30 pm AST for the cutoff of 12:00 am AST | Batch of 11:30 pm ADT for the cutoff of 12:00 am ADT |
| Ontario, Quebec | Batch of 11:30 pm EST for the cutoff of 12:00 am EST | Batch of 11:30 pm EST for the cutoff of 12:00 am EST | Batch of 11:30 pm EDT for the cutoff of 12:00 am EDT |
| Manitoba | Batch of 12:30 am EST for the cutoff of 1:00 am EST | Batch of 11:30 pm CST for the cutoff of 12:00 am CST | Batch of 11:30 pm CDT for the cutoff of 12:00 am CDT |
| Saskatchewan (year round Central Standard time, UTC -5) | Batch of 12:30 am EST for the cutoff of 1:00 am EST | Batch of 11:30 pm CST for the cutoff of 12:00 am CST | Batch of 10:30 pm CST for the cutoff of 11:00 pm CST |
| British Columbia, Yukon (year round Pacific Daylight time, UTC -7) | Anytime before 2:00 am EST | Batch of 12:00 am PDT | Batch of 11:00 pm PDT |
| Alberta, Northwest Territories | Anytime before 2:00 am EST | Batch of 12:00 am MST | Batch of 12:00 am MDT |