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Understanding Merchant Funding


After your customer has made a purchase and it has been authorized and settled, it can be funded. Funding happens when the payment brands such as Visa® or MasterCard® reimburse us for your customer transaction, allowing us to send these funds to you.

Funding Weekends and Holidays

Note that funding does not occur on weekends and on certain holidays, particularly federal banking holidays. The U.S. bank holidays for 2011 are as follows:

  • January 1, New Year’s Day
  • January, Dr. Martin Luther King, Jr. Day
  • February, Presidents’ Day
  • May, Memorial Day
  • July 4, Independence Day Observed
  • September, Labor Day
  • October, Columbus Day
  • November, Veterans’ Day
  • November, Thanksgiving Day
  • December 26, Christmas Day

As with everything we do, at GMSI our goal is to partner with you, so you get what you need when you need it – including the proceeds from your customers’ credit or debit card payments.

Although it is not possible to guarantee a specific fund delivery timeframe due to a number of issues, generally, you will receive your funds within two business days.

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