Originally Posted by Zombaio_Tomas

This is a good question.

Since we are using a partner for the ACH payments, the payment will go to our partner 3 days before the settlement date. Our partner have 3-5 days to clear ACH transactions so settlement date + maximum 2 days for ACH.

Today for US int wires we settle funds on the settlement days and wires can be settlement date up to +7 days if intermediate banks are used. So this is a huge improvement.