Reasons for Delayed Deposits

An Inside Look At Funding Delays

Unusual Transactions cause funding delays. Unusual transactions are defined as any transaction that deviates from your typical processing volume. When we set up your account, a unique merchant profile was created for you using the info you provided while signing up. Details such as your average transaction size and processing volumes are what we use to determine unusual transactions. As an example; if you typically accept less than $1000 per day and then suddenly have a single transaction for more than $5000, Payfirma’s system will flag it for review.

Why does Payfirma flag?

We flag abnormal activity to reduce fraud as well as to ensure no one is messing around with your account. We do it for security.

How do I know if I’m flagged?

Security checks are carried out by our processing banks. You’ll be contacted by a risk officer within two business days of processing the transaction for follow up. They’ll provide all details of the hold, including the review process as well as the next steps. If they can’t reach you, they will try the following day.

What’s the review process?

The review is simply to verify your transaction before delivering your funds. A typical review is confirming the transaction with yourself as well as your customer’s credit card company. Following your chat, the risk officer will contact your customer’s card company to verify the transaction. If further investigation is required, the risk officer may ask you for a copy of the transaction’s invoice. Once the transaction has cleared the review process, expect to receive your funds within 24 to 48 hours.

How can I speed up the process?

Most delays are resolved within 7 days but can extend if further consideration is necessary. One thing you can do to prepare yourself for an easy review is to provide detailed documents. When an invoice is asked for, make sure it clearly shows the following:

  • Your customer’s name
  • Their address
  • Their phone number

An invoice to Frank Underwood, Washington will take MUCH longer to verify than an invoice to Francis J. Underwood, 123 Main Street, Washington, DC 12345 – 1.800.222.3333.

Tips for preventing delays!

No.1 If you know that you will be putting through an unusual transaction, let us know and we’ll do our best to expedite the process. Sending us an invoice in advance can cut processing by up to 48 hours.

No.2 Before processing purchase, have your customer call their credit card company to inform them of the upcoming transaction.

No.3 If you’re planning on processing out of town, let us know. A jump in international card usage can be considered an unusual transaction. So if you’re headed to a trade show or plan on being out of town while selling, let us know.

No.4 Make sure Payfirma has your most up to date info. When you submitted your application, you told us what your highest and lowest transaction sizes were. Keeping us in the loop on fluctuations in your processing volumes will help tremendously, especially as your business grows. Any changes to your account information and processing activity can be sent to

Funding delays are a pain, but being prepared can keep the delay to a minimum. If you keep these tips in mind, you’ll be processing without ever having to worry about delays again.

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