How Long Does it take for a Payment to Process?

The majority of transfers in Hemlane are done through ACH (bank-to-bank transfer), which is one of the safest and most secure ways to collect and send money. Hemlane provides one of the fastest ACH processing systems available for rent and other payments.

Fast ACH (bank-to-bank) Payout Schedule: 3 business days

For most payments, Hemlane's fast ACH schedule applies. Once you are a paying customer with a verified bank account and transfer record, payments generally take 2 to 3 business days to process. This is the default timeline for the majority of transactions outside of your first payment to a new bank account.

Exceptions to the Fast Transfer Schedule

When you have multiple transactions processing at once, you may experience a delay on certain payouts. Here are the three main reasons a payment may be delayed:

• Prior payment failure - If another payment has failed or been disputed, funds cannot be deposited until the failure is resolved.
• Single payment of $10,000 or more - Any single transaction equal to or greater than $10,000 will follow the standard ACH schedule.
• Delay due to clearance on funds - Funds typically clear within 3 business days. Occasionally the payment processor will match a payout to a transaction that has not yet cleared rather than one that has, which can cause a brief delay.

Standard ACH Payout Schedule: up to 10 business days

Certain circumstances will result in the standard payment schedule rather than the fast schedule. This includes your first transfer to a new bank account within Hemlane, as well as the following:

• Non-paying customers (free trial)
• Unverified bank accounts
• At Hemlane's discretion (e.g. too many failed payments)

This standard transfer can take up to 10 business days if your account is flagged for additional security measures.

1. Single payment is $10,000 or more - If a single transaction is equal to or larger than $10,000, Standard ACH payment schedule will occur.
2. Delay due to clearance on funds - Funds typically clear within 3 business days. The payment processor allows payout of received funds after the third business day. When they see cleared funds, they match it to an earlier payout. Occasionally, they will match it to a payout that has not been cleared, rather than the first (cleared) payment. Since this may sound confusing, here is an example.

How to View the Expected Arrival Date for a Deposit

To view the expected arrival date of a payment, click the triangle to the right of the payor's name to open more details.

When the Payor Should Expect Funds to Be Withdrawn

Funds are withdrawn based on the standard ACH schedule, and it is best to check with your bank to confirm timing. The ACH network only processes transactions Monday through Friday, excluding holidays. For example, if a payor clicks Pay on Saturday morning, Hemlane will record the payment as of Saturday, but the transaction may not leave their bank account until the following Monday.

Hemlane vs. Zelle, PayPal, and Venmo

Zelle, PayPal, and Venmo are commonly requested by tenants as payment methods for rent. However, these services often do not protect the owner, and some, such as PayPal, specifically exclude real estate transactions from their purchase protection policies.

These services often:

• Do not allow cancellation of payments
• Carry heavy transaction fees
• Do not accept all types of bank accounts
• Cannot create future dated or recurring payments
• Cannot create or process late fees

Hemlane works with ACH, which supports both banks and credit unions, and is built to accommodate the needs of both owners and tenants.

Standard Credit and Debit Card Payment Schedule: 24 hours

Tenants can pay via credit or debit card, though additional fees apply. When setting up a payment request, the owner or manager can decide who covers the fee. The fee for debit and credit card payments is 3% of the amount paid. If debit or credit card payments are enabled, either the tenant pays an additional 3% or 3% is deducted from the total sent to you. In the event of a payment dispute on a credit card, the receiving user will be subject to a 3% fee.

Credit and debit card payments can take up to 24 hours to process.

Past Due Subscriptions  

If your free trial has ended and you have not subscribed to Hemlane, any outstanding payouts cannot be processed. Please reach out to support@hemlane.com with any questions.

2026 Bank Holidays 

Please note: Because Independence Day falls on a Saturday in 2026, most banks will observe the holiday on Friday, July 3.

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