Transfer Speed

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

Speed and Delivery Time by Use Case

Orum transfer speed table


Cutoff Times

To receive your specific cutoff times, please reach out to [email protected]

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"