At BlindPay, we're committed to fast, reliable, and transparent processing across all our services. This page outlines the typical timelines you can expect for onboarding, verification, and payment processing.
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 |
Virtual Business Account
If you request a virtual business account for a receiver, the account is submitted to the bank for final approval once our compliance review is complete.
| Service | Timeline |
|---|---|
| Bank review & approval | Up to 3 business days from submission |
If the bank requests additional documentation during the review, the 3-business-day SLA resets from the date the new documents are submitted.
Limit Increase Review
If you request a limit increase for a receiver, our compliance team will review the submission and any supporting documentation provided.
| Service | Timeline |
|---|---|
| Limit increase | 30 minutes to 3 hours |
Accepted Supporting Documents
You'll need to upload a document that helps our team 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 will be processed the next business day.
Business days exclude:
- Weekends
- U.S. Federal holidays
- Applicable international banking holidays
Compliance & Security Reviews
For your protection and to meet regulatory obligations, 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
Our team works to complete reviews as quickly as possible while keeping the platform safe.
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 will be credited back to your BlindPay account once received from the banking network. Fees may apply if fiat funds are refunded.
Need Help?
If you have questions about processing times or the status of a transaction, reach out to our support team. We're happy to help!