---
title: Cut-off Times
description: Processing times, daily cut-off times, and service levels for onboarding, verification, and payments on BlindPay.
navigation:
  order: 2
---

## Summary

Requests submitted after a payment method's daily cut-off time are processed the next business day. ACH cuts off at 9:00 PM ET (Same-Day ACH at 3:00 PM ET), domestic wires at 3:00 PM ET, and international SWIFT at 10:30 AM ET. Business days exclude weekends, U.S. federal holidays, and applicable international banking holidays.

## Onboarding & Verification

### Instance Setup

| Service                | Timeline                |
| ---------------------- | ----------------------- |
| New instance creation  | Up to 3 business days   |

### KYC/KYB Verification

| Verification Type | Timeline                  |
| ----------------- | ------------------------- |
| KYC Standard      | ~60 seconds (automated)   |
| KYC Enhanced      | Up to 1 business day      |
| KYB Standard      | Up to 1 business day      |

See [Customers — Review timeline](/docs/essentials/customers#review-timeline) for verification details.

### Virtual Business Account

If you request a virtual business account for a customer, the account is submitted to the bank for final approval once compliance review is complete.

| Service                | Timeline                                 |
| ---------------------- | ---------------------------------------- |
| Bank review & approval | Up to 3 business days from submission    |

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If the bank requests additional documentation during the review, the 3-business-day SLA resets from the date the new documents are submitted.
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### Limit Increase Review

If you request a limit increase for a customer, the compliance team reviews the submission and any supporting documentation provided.

| Service         | Timeline              |
| --------------- | --------------------- |
| Limit increase  | 30 minutes to 3 hours |

### Accepted Supporting Documents

Upload a document that helps validate the request. Accepted document types include:

**For individuals:**

- Bank statement
- Tax return
- Proof of income

**For businesses:**

- Bank statement
- Financial statements
- Tax return

## Payment Processing

### ACH (U.S. Domestic)

BlindPay offers two ACH processing options: standard ACH and Same-Day ACH for expedited transfers.

| Method        | Cutoff Time | Estimated Settlement  |
| ------------- | ----------- | --------------------- |
| ACH           | 9:00 PM ET  | 1-3 business days     |
| Same-Day ACH  | 3:00 PM ET  | Same business day     |

### Wire (U.S. Domestic)

Wire transfers are ideal for high-value and time-critical transactions.

| Cutoff Time | Bank Processing   | Estimated Settlement |
| ----------- | ----------------- | -------------------- |
| 3:00 PM ET  | Same business day | Same business day    |

### International SWIFT

BlindPay provides international wire transfers through the SWIFT network for secure cross-border payments with full traceability.

| Cutoff Time  | Bank Processing   | Estimated Settlement |
| ------------ | ----------------- | -------------------- |
| 10:30 AM ET  | Same business day | 1-5 business days    |

## Cut-Off Times

Requests submitted after daily cut-off times are processed the **next business day**.

Business days exclude:

- Weekends
- U.S. Federal holidays
- Applicable international banking holidays

## Compliance & Security Reviews

Certain transactions may be temporarily delayed for compliance review. Common triggers include:

- First-time withdrawals
- Large transaction sizes
- Unusual velocity changes
- Sanctions screening
- Suspicious activity alerts

## Failed or Refunded Transactions

A transaction may be refunded if:

- Beneficiary details are incorrect
- The receiving bank rejects the payment
- The receiving account is closed or restricted
- Compliance requirements are not met

For **stablecoin transactions**, refunds are processed immediately. For **fiat transactions**, refunded funds are credited back to your BlindPay account once received from the banking network. Fees may apply if fiat funds are refunded.

## Related

- [Customers](/docs/essentials/customers) · [Payout Descriptor](/knowledge-base/guides/payout-descriptor)

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