Credit card payments made before 4pm EST on a business day should arrive in your bank account by end of day the next business day. Echeck payments require 5-7 business days to complete. For either payment type, if you are with a smaller bank or credit union it can take a little longer on their end to process than if you are with one of the major banks.
If by this time you have not received your money, our payments processor, WePay, may have flagged your payment for review. This is most often nothing to worry about, they are just ensuring everythign is in order for your protection, but this can add another 1-3 business days to the time it takes for you to get your money. If WePay reach out to you for additional information or documentation, the faster you can respond to them the faster they can complete their review. If at any point you require further assistance do not hesitate to reach out to Joist Support at 1 800 976 9261.
If more than 5 business days have passed and you have not received your money there may be a discrepancy between the banking details entered on your WePay account and what your bank has on file for you. If this is the case, your bank may have rejected the request to deposit your funds. The money will then be returned to your WePay account. This can take up to 10 days from when the bank transfer was initiated.
You can check your banking details by doing the following:
- Go to Joist’s Settings > My Account screen.
- Under Credit Card Payments > Manage Account tap Open.
- Sign in to your WePay account.
- Tap the Settings button (gear icon) on the left-hand side of your WePay dashboard.
- Tap the Settlement Details tab at the top.
Note: Some banks use a different routing number than the one printed on your checks for electronic ACH transfers. We recommend contacting your bank to verify the correct number to use.
If you need to change your bank account, tap the Change button next to your current bank account in the Settlement Banks section described above.