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 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 |
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 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.