Good day,

I was just on the phone with the Payments Team, inquiring as to why an invoice payment via bank transfer (ACH) from 3 business days (5 calendar days) prior, had not posted to my bank account. In the process of the conversation, I learned that the deposit speed on my account is set to 5 days for checks, and ACH is considered a check, but that with higher transaction volumes the processing time would decrease to a day.

I find this paradoxical, that smaller businesses are penalized with longer processing times, when we are much more susceptible to interruptions in cash flow, than larger business with higher transaction volume and fiscal turnover. In addition, the phone operative (who was wonderful), was completely unable to answer what the thresholds are for triggering these quicker transaction times, or make a manual adjustment to the time. Our payments are the lifeblood of our business and we rely on the timely resolution of payment processing, to make sure we're able to maintain positive cash flow and operations.

Since this is an arbitrary delay added via the system, there needs to be a mechanism to lowering it manually, and I would like to appeal to have the processing on my account lowered to the faster time interval of 1 day, rather than 5 days (for checks). In addition, it would be helpful if the phone operatives where privy to the information regarding how the system works, so they can relay that to customers such as myself. Thank you for your consideration.