Cash Deposits: Understanding Your Deposit Schedule and Fees

When donors contribute to your nonprofit using credit, debit, or ACH transfers, we group these contributions by the date donated and deposit them into your bank account as a batch. Understanding how these batches work can help you track funds more effectively.

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Withdrawals and Fees:  📱 Digital Wallets  |  🏦 ACH  |  💳 Credit/Debit Cards
Deposits (By Payment Type):  📱 Digital Wallets  |  🏦 ACH  |  💳 Credit/Debit Cards

Withdrawals and Fees

📱 Digital Wallets (Apple Pay and Google Pay)

• 📥 These gifts are deposited as the net amount in your bank account, meaning fees are subtracted before the funds arrive. (🔗 Understanding the Payout Data)
• 📋 You can see a detailed breakdown of fees for each donation by selecting a deposit batch in the Reconciliation table.

🏦 ACH

• Most ACH gifts are processed like digital wallet donations. ✅
• 🚫 However, if a donation shows a $0 fee in the Reconciliation table, it was processed through Fiserv (CardConnect), and you’ll receive the gross amount.
  • 📥 Within the first 10 days of the following month, Fiserv will withdraw the processing fees in a single lump sum. (🔗 Understanding Fee Amounts & Bank Descriptors)
  • 📋 For a detailed per-donation fee breakdown, you can log in to your CardPointe Portal.

💳 Credit/Debit Cards

Credit/debit gifts process in a similar way to ACH gifts (see above). 👆🏽

Deposits (By Payment Type)

Deposit schedules differ depending on the type of donation.

1. 🕔 Timing: Deposits are typically processed within 24 hours. In some cases, like when a refund or similar adjustment is involved, processing may take a bit longer, up to 48 hours.
   • Deposit Batch: There’s usually a brief delay before we receive Payout Reports from Adyen. You can expect to see them in the Reconciliation module around 5:00 PM CST each day.
   • Please allow an additional 1–2 business days before or after a holiday.
2. ⏳ Your bank may take 1–2 business days to reflect a deposit.
   • To help locate the related batch, we recommend checking the Reconciliation module for payouts shortly before the deposit date on your statement.

📱 Digital Wallets (Apple Pay and Google Pay)

Look for the bank descriptor ACH Overflow App. - Standard Push Sweep on your statement. 🔎

• 🔄 Apple Pay and Google Pay batches are similar to credit/debit cards, often grouping donations from a 24-hour period (may vary by bank).
• 🗓️ Deposits may be delayed if a scheduled transfer falls on a weekend or public holiday.

🏦 ACH

• 🔄 ACH batches may include transactions from multiple days, typically 3–5 business days.
• 🗓️ Deposits may be delayed if a scheduled transfer falls on a weekend or public holiday.

💳 Credit/Debit Cards

• 🔄 These batches often include donations received within a 24-hour period (may vary by bank).
• 🗓️ Deposits may be delayed if a scheduled transfer falls on a weekend or public holiday.