Stax

JANUARY 1, 2024

Higher interest rates translate to greater returns on the saved funds. To assess the feasibility of these tiered savings rates, businesses need to identify the optimal average daily balance level that maximizes returns without stretching financial resources too thin. Higher balances might earn higher rates, and vice versa.

Accounts

PYMNTS

JULY 2, 2020

If it’s a debit card, bank account or prepaid card, maybe there aren’t enough funds available for the purchase. Transaction declined. Maybe the card has expired. Or maybe it’s maxed out the credit limit. Maybe the issuer has flagged something suspicious — or at least unusual — about the transaction. Regardless, there is no sale.

PayPal

PYMNTS

SEPTEMBER 24, 2020

Customers will have the capacity to better find out the location of balances throughout bank accounts, time zones and geographical areas, and then use those funds more productively with the bolstered transparency afforded by GTreasury’s infrastructure. As it stands, LiquidityDirect supports over $6.5

Cash Management

PYMNTS

SEPTEMBER 21, 2018

When Macy’s piloted the program earlier this year, they saw basket size go up by more than 60 percent and saw returns plummet to 2 percent. Funds availability speed is expanded for some transactions and ACH credits. That’s the customer problem we’re trying to solve,” Macy’s president Hal Lawton noted.

Same Day ACH

PYMNTS

SEPTEMBER 17, 2018

He said when he went to his bank — a small one — to ask for help, he was told the bank didn’t support this type of payment and to return the next day when the manager was back. Same Day ACH leverages existing rails to enable same-day funds availability, discussing options to expand their settlement windows.

Rules

FICO

MARCH 22, 2022

Some fraudsters are looking for a quick return on their investment and simply transfer available funds to accounts in their control – often through the use of networks of money mules. What happens next varies. Other fraudsters are playing a longer game, looking to leverage the account they have taken over to maximize gains.

Account Takeovers

Payment Savvy

DECEMBER 7, 2023

Reporting: You may need to report the amount of the non-medical expense on your tax return. Funds Availability: Consider the current balance in your HSA. If you have sufficient funds and anticipate more healthcare expenses, using your HSA might be beneficial. Can I Buy Vitamins With HSA?

IRS

PYMNTS

NOVEMBER 17, 2017

Three years later, not a single bitcoin has been returned (or any other form of money for that matter), and it is looking increasingly unlikely that those who lost out will ever recoup their losses. Gox, however, has nothing to do with the amount of funds available for payout. At the time of the hack, one bitcoin was worth $483.

Bitcoin

Nanonets

SEPTEMBER 8, 2023

Debit transfers can also be returned if there are insufficient funds, or they can be disputed as non-authorized within 60 days after the transaction posting. Wire transfers, while advantageous for recipients due to immediate fund availability, carry more risk for senders. However, dispute resolution isn't guaranteed.

Wire Transfer

Payment Savvy

NOVEMBER 14, 2022

What’s more, the direct deposit system is an effective payment method for taxpayers who are owed a refund on federal tax returns. Typically, funds are verified within 24 to 48 hours once the transaction has been authorized. It is a digital method of paying employees’ wages directly to their bank accounts.

Checks

PayHawk

APRIL 18, 2023

D Debit Card A payment card that enables the cardholder to withdraw funds from their bank account or make purchases with funds available in the account. Decline When a transaction is not approved due to insufficient funds, an incorrect PIN, or other issues.

Process

Seon

JULY 27, 2023

The payer’s bank credits the payee’s account, which then makes the funds available to the latter. Potential for increased return on investment (ROI): According to the Federal Reserve, the efficiency of FedNow may ensure businesses attract and retain new customers, and the automation it offers will reduce operational expenditure.

FedNow

Payment Savvy

FEBRUARY 23, 2023

Some of the most common ACH return codes are caused by incorrectly entered information or insufficient funds available, while others can be more complicated and include issues with authorization and more. What Are ACH returns? An ACH return means that the ACH failed to charge money from a customer’s account.

ACH

PYMNTS

JANUARY 22, 2020

While that’s good news, the surge in venture capital (VC) funding cannot entirely dismiss the widespread challenges that new businesses face when seeking financing — and according to Avishek Gupta, head of India-based debt and equity investor Caspian Debt , the current demand for startup funding exceeds availability.

Small Business

PYMNTS

SEPTEMBER 21, 2020

percent of firms said they only have enough funding on hands to stay open for one week or less if the sales engine stalls. And while revenues are rebuilding as businesses reopen, they’ve not fully returned. government PPP funding available in the event of another massive setback for the economy? In fact, 39.3

Consumer

PYMNTS

JUNE 3, 2020

“Obviously, the real uncertainty comes in in 2021 because nobody really knows what those delinquency numbers and what the return is going to look like,” he said. As for current spending trends, Fagan noted, “If the consumer is using debit, then clearly they have current funds available.

Risk

PYMNTS

MARCH 7, 2016

the financial services industry has worked itself into a lather to move heaven, earth and 13K banks toward a faster payments solution — or should I say solutions — that would allow originating banks to move money to a receiving bank and for that receiving bank to make those funds available to those consumers instantly.

Online and Mobile Banking

PYMNTS

OCTOBER 7, 2020

Never to return. A one-day delay in having funds available in the bank can mean life or death for smaller companies. The impact was felt disproportionately by smaller companies — and a significant number of them (restaurants in New York City, for example) had to close up shop in a single day.

Checks

The Fintech Times

MARCH 26, 2025

In an ideal world, payments would be made instantly – organisations would not need to wait and plan on how to deal with late payments, and an employee waiting for a tax return would get it instantly. In the case of a federal tax return, this process usually takes weeks, with some instances even two months.

Returns

The Fintech Times

JUNE 2, 2025

The report revealed that 61 per cent of sub-prime borrowers, 64 per cent of near-prime borrowers and 68 per cent of prime borrowers said they have funds available elsewhere when a loan payment declines. However, lenders continue to rely on long-term relationships with borrowers to achieve returns.

Funds Availability