A cutoff time is the deadline by which a payment must be initiated for it to be processed on the same business day. Any payment initiated after the given cutoff time will be processed on the next available business day.
Cutoff times are listed in your Account settings under the Payment methods page.
| ✋ Please note that all times listed in this article refer to standard business hours, and exclude weekends and bank holidays. If a cutoff time falls on a weekend or bank holiday, the next business day's cutoff will apply. |
| In this article |
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Bank Transfer cutoff times
Depending on the Bank Transfer payment option, the cutoff times for payables will vary.
Transactions originating from your bank account
| Bank Transfer payable option | Cutoff time |
| Standard ACH | 2pm PT/5pm ET |
| Expedited ACH | 2pm PT/5pm ET |
| Next-Day ACH | 2pm PT/5pm ET |
| Same-Day ACH | 7am PT/10am ET |
| Instant | No cut off time |
| International ACH | 2pm PT/5pm ET |
| SWIFT | 2pm PT/5pm ET |
Transactions originating from the Routable Balance
| Bank Transfer payable option | Cutoff time |
| Same-Day ACH | 1pm PT/4pm ET |
Check Payable cutoff times
All check payments initiated before 8am PT/11am ET will be mailed out the day they are initiated.
| Check Payable delivery option | Cutoff time |
| USPS First-Class 2-5 business days |
8am PT/11am ET |
| USPS Certified First-Class 2-5 business days |
8am PT/11am ET |
| USPS Priority 2-3 business days |
8am PT/11am ET |
| USPS Priority w. Signature Confirm 2-3 business days |
8am PT/11am ET |
| USPS Priority Express 1-2 business days |
8am PT/11am ET |
| FedEx Two Day 2 business days |
8am PT/11am ET |
| FedEx Next Day 1 business day |
8am PT/11am ET |
| USPS International First-Class 7-14 business days |
8am PT/11am ET |
Routable’s cancellation window for a check is 3 hours from the time you send the payment, as long as the payment hasn’t begun processing with the bank.
If you need to cancel, void, or issue a stop payment on a check that has already been sent:
- Contact your bank to void the check, then
- Contact our Support team to update the status of your payment in Routable
International (International ACH/SWIFT) cutoff times
| Payable delivery option | Cutoff time |
| International ACH | 2pm PT/5pm ET |
| SWIFT | 2pm PT/5pm ET |
You can cancel international (International ACH/SWIFT) payments as long as the payment hasn’t begun processing with the bank.