When your payment arrives depends on which payment and delivery method was selected when scheduling the payment. To learn more about the payment delivery timelines, please see the information below.
Delivery timelines
Below, you can find a comparison of the delivery timelines.
| Payment Method | Delivery Method | Delivery time |
| Capital One Business Bank Account |
Paper Check
|
Regular (USPS): 5-7 business days Payments scheduled by 9 pm ET / 6 pm PT are processed that day.* Fast: 3 business days Overnight: 1 business day Payments scheduled by 2 pm ET / 11 pm PT are processed that day.* |
|
ACH Bank Transfer**
|
3 business days Payments scheduled by 9 pm ET / 6 pm PT are processed that day.* |
|
Virtual card |
Up to 3 business days |
|
| Credit Card |
Paper Check
|
Regular (USPS): 5-7 business days Payments scheduled by 9 pm ET / 6 pm PT are processed that day.* Fast: 3 business days Overnight: 1 business day Payments scheduled by 12:15 pm ET / 9:15 am PT are processed that day.* |
ACH Bank Transfer |
Same business day Payments scheduled by 2 pm ET / 11 am PT are processed that day.* |
* Any payments submitted after this time will start processing the following business day.
** For eligible payments, the vendor may be able to expedite the ACH transfer delivery speed to the same business day instead of three business days.
Please note: To find out more about check payment delivery timelines and considerations, please see the following important guide.
Things that may affect payment delivery time
- Federal Holidays may lead to potential USPS delivery delays when sending checks. When choosing your check delivery date, Federal Holiday dates will be blocked on the Pay Business Bills calendar. We recommend scheduling payments sooner so they get to your vendor on time during the holidays.
- When submitting a payment to a vendor for the first time, we may need a little extra time to review the payment. Schedule these in advance to avoid any delays.
- We recommend attaching an invoice whenever possible to prevent compliance delays.
- Bank account to ACH payments exceeding $100,000 are delivered within 4 business days.
Need to keep track of your payments?
Check out our Payment Tracking Guide to learn how to use the payment progress bar and payment summary features. These tools make it easy to monitor your payment status in real-time.
Please see the following article to learn more about what your vendors receive when you send a check.