How Long Does ProPay Credit Card Processing Take?

Merchants who use ProPay for credit card processing usually receive funds in their ProPay accounts within two to three days, according to ProPay. Merchants can transfer funds to a U.S. bank, generally a two- to four-day process, or access their funds immediately through the ProPay Linked Prepaid MasterCard card.

ProPay makes funds available to merchants by electronic transfer only, ProPay explains. Merchants can transfer funds to any U.S. bank account that has a valid ACH routing number, regardless of who holds the account. ProPay charges a $10 ACH return fee for transfers to erroneous routing or account numbers.

ProPay charges no retail transaction fee to merchants who use the Linked Prepaid MasterCard Card.