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Feature · Funding

Funded the next business morning. Standard.

Today’s sales hit your business checking account by the next business morning — no per-transfer surcharge, no monthly Fast Funding add-on, no “2–3 business days” surprise. Same-day funding is available on eligible accounts through Clover Rapid Deposit, with terms shown in Clover.

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How it works

Money in your account, two ways.

Standard

Next-day funding

Default on every Arca account. Funds available the next business morning, with no surcharge.

  1. Today, anytime before 9pm ET

    Customer pays at your terminal, online, or via invoice.

  2. ~10pm ET tonight

    Day’s transactions batch out from your terminal automatically.

  3. Tonight, 11pm ET

    Arca sends funding instructions to the sponsor bank (Citizens Bank, N.A.).

  4. Tomorrow morning

    Funds land in your business checking account. Most banks make them available by 9am local time.

Same-day

Same-day funding

Where eligible (most established accounts with clean processing history), through Clover Rapid Deposit. Terms are shown in Clover.

  1. Today, before 9am ET

    You request same-day funding from the Arca dashboard.

  2. Today, by 3pm ET

    Eligible transactions are funded via real-time payment rails.

  3. Today, by ~4pm ET

    Funds are in your account, same business day.

For comparison

How everyone else funds.

Industry-published standard funding timelines, as of July 2026. Verify against each provider’s current terms before deciding.

Funding speed and fees: Arca vs. Square, Stripe, and a typical tiered processor
Arca Square Stripe Tiered processor (typical)
Default funding Next business day Next business day (free) 2 business days 2–3 business days
Instant / same-day option Yes — via Clover Rapid Deposit Yes — 1.95% surcharge Yes — 1.5% surcharge Often available as $$$ add-on
Funding-related monthly fees $0 $0 $0 $10–$30 “fast funding” fees common
Weekends / holidays Follows ACH calendar Follows ACH calendar Follows ACH calendar Follows ACH calendar
Common questions

About Arca funding.

? What time is the funding cutoff?
Default cutoff is 9pm ET — anything settled before that funds the next business day. Some accounts can adjust the cutoff up to 11pm ET; this is reviewed at onboarding. Settling after the cutoff just shifts that day’s transactions one business day later.
? What about weekends and holidays?
Funding follows ACH banking rules. A Friday batch funds Monday morning. Federal bank holidays push funding by one business day. We surface upcoming holidays in the dashboard so you can plan.
? Who qualifies for same-day funding?
Most established accounts with at least 3 months of clean processing history qualify. Sponsor-bank risk review handles the eligibility decision and we surface the answer on your account. Same-day funding runs through Clover Rapid Deposit; the terms are shown inside Clover.
? Are there any “fast funding” fees?
No. We don’t mark up next-day funding the way some processors do — a $30/month add-on or a per-transaction surcharge. Standard next-day is the default on every account. Same-day funding runs through Clover Rapid Deposit, with terms shown in Clover.
? What if I have multiple bank accounts?
You can route funding to multiple bank accounts (e.g., one for operations, one for tax escrow). Set this up at onboarding or change it later in the dashboard.
? How is this different from a flat-rate processor’s next-day funding?
Square’s standard next-day transfer is free, with an Instant Transfer surcharge (typically 1.95%) to get it sooner. Stripe’s default is 2 business days for most US accounts, with an instant payout at about 1.5%. With Arca, standard next-day is the default with no surcharge — and same-day is available through Clover Rapid Deposit.
Need it faster?

Most accounts qualify for same-day funding.

We confirm eligibility during onboarding. If you’re not eligible day one, you typically qualify within 90 days of clean processing.

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