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ACH Refunds

ACH refund requests received before 3 PM CST are applied to the contributor's account at business open of the next business day. Requests received after 3 PM CST are applied to the contributor's account at business open in 2 business days. 

Credit Card Refunds

Credit card refunds are processed immediately and are applied with the next available settlement batch. The next available settlement batch can occur on the same day or on the following calendar day. The amount of time it takes the card issuer to apply the refund to the contributor's account varies, but typically it is 1-2 business days after the settlement batch is sent. 

Payments

Processing times will vary depending on what payment method is used. 

If a transaction fails

Unprocessed recurring gifts are placed on hold, and contributors are notified by email. From this email, donors can sign into Access ACS and fix the payment method.

Banks may or may not notify contributors about any returns. Vanco will always notify the church but will never email contributors directly. It's up to the church to decide how it wants to communicate this.

Day 1Day 2
  • Vanco Payment Solutions transmits the transaction file at 3 PM CST.
The transaction is debited from the member or guest's bank account and deposited into your organization's bank account.
Day 1Day 2Day 3
  • Vanco Payment Solutions transmits the transaction file at 3 PM CST.

ProcessingFunds are deposited in to your organization's bank account.
Day 1Day 2Day 3Day 4
  • Vanco Payment Solutions transmits the transaction file at 3 PM CST.
ProcessingProcessingFunds are deposited in to your organization's bank account.