How Long Do PAD Payments Take to Process?

When using Pre-Authorized Debit (PAD) in ChildFriendly, the timing of withdrawals and deposits depends on when you process the payment in the system. Below is a breakdown to help you plan and manage cash flow effectively. 

✅ When Are Funds Withdrawn from Families' Accounts?

• Payments processed before 10:00 AM MST
  → Funds will be withdrawn from the customer’s account on the same business day (typically shortly after 10:00 AM).

• Payments processed after 10:00 AM MST
  → Funds will be withdrawn on the next business day.
  → This will also delay your center’s payout by one day.

Tip: To ensure same-day withdrawal, we recommend processing payments early in the morning.

✅ When Will the Funds Arrive in Our Center’s Bank Account?

Once processed, funds will be deposited into your center’s bank account within 4–5 business days.

Example Timeline:

• Processed Monday before 10 AM → Funds typically arrive by Friday or the following Monday.

• If there’s a bank holiday during the week → Funds may be delayed to Monday or Tuesday of the following week.

✅ Key Notes:

• Withdrawals are dependent on bank processing times and may vary slightly per family.

• Delays may occur during bank holidays or if payments are submitted after cutoff times.

• You can monitor payment statuses within the Finance tab in ChildFriendly.