ACH Payments and Payout Timing
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Modified on: Mon, 8 Dec, 2025 at 12:02 PM
- “Why do my ACH payments stay in ‘Pending’ for several days before showing as paid out?”
- “How long until an ACH payment is processed and deposited into my bank?”
Resolution Steps
- Understand that ACH (bank account) payments are treated differently from credit card payments in Molo Express.
- When you view the Molo Express Transactions Report, ACH payments will remain in the Pending section until they succeed.
- A typical ACH payment takes 5 business days from the payment date to either succeed or fail.
- Once the bank of the customer confirms the ACH payment is successful, Molo immediately initiates the payout.
- Payouts to your bank account usually take about 1 business day after being initiated.
Here’s an example timeline:- ACH payment initiated: Wednesday, May 12
- It enters the ACH network that evening.
- Day 1 of 5 business days: Thursday, May 13
- After 5 business days: Wednesday, May 19
- Once bank confirms success, Molo sends the payout, which arrives ~1 business day later.
- This means the funds might appear in your bank around Thursday, May 20.
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