Transfer Speeds

Speed Parameters

When you create a transfer, the speed parameter impacts how quickly funds arrive in the destination account. The table below shows the correlation between the speed requested and the fund's delivery time per use case.

The four speeds available for use within Deliver are:

• wire
• asap
• same_day
• standard

Delivery and Cutoff Times

Exact cutoff times may vary depending on the processing partner. If you have additional questions, send a note to [email protected]

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Requesting transfers after the cutoff time

If a transfer request is received after the cutoff time, an extra business day will be added to the funds delivery time.

Estimated Funds Delivery Date

Deliver provides the estimated_funds_delivery_date as an indication of when the funds are expected to be settled in the destination account. Once the date is calculated, a transfer_updated webhook is triggered, and the estimated_funds_delivery_date is included in the webhook payload. Additionally, the GET /transfers/{id} and GET /transfers API responses also contain the estimated_funds_delivery_date field.

{
    "event_id": "30136439-2e46-4240-a3mc-d46ca9ffb46s",
    "event_type": "transfer_updated",
    "created_at": "2022-09-14T21:58:43.877Z",
    "event_data": {
        "transfer": {
            "id": "ab53a6f0-ea6f-4753-853d-8f944cadcba5",
            "amount": 400,
            "transfer_reference_id": "d7pd620d-v2ba1-44n2",
            "currency": "USD",
            "speed": "same_day",
            "status": "completed",
            "estimated_funds_delivery_date": "2022-09-17T00:00:00Z",
            "account_statement_descriptor": "Account to account transfer",
            "created_at": "2022-09-14T20:58:19.256831Z",
            "updated_at": "2022-09-14T21:58:24.205573Z",
            "source": {
                "account_reference_id": "3c0699pw4-2e4091",
                "customer_reference_id": "9rs61-917dna80"
            },
            "destination": {
                "account_reference_id": "p7db1-2n38ywn",
                "customer_reference_id": "5jd29a-ja2qof612"
            }
        }
    }
 }