Why haven't I received my money yet?

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 3-5 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 may have flagged your payment for review. Reviews are a rare but necessary security measure to ensure the highest level of protection for you and your money. Reviews typically complete in 1-2 business days with no action required from you.

If this is your first payment, you may also want to check your banking information in your payments account to make sure we are able to send your money to you.

You can check your banking details by doing the following:

  1. Go to Joist’s Settings > My Account screen.
  2. Under Credit Card Payments > Manage Account tap Open.
  3. Sign in to your payments account.
  4. Tap the Settings button (gear icon) on the left-hand side of your payments dashboard.
  5. 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.

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