Processing cash transfers

OverviewProcessing timesView pending transfersTransfers outside of standard processing time

Overview

Getting you easy access to the funds you need to grow your business is why Brex exists. We process payments as quickly and safely as possible, though processing times will vary depending on the sending institution and payment method.


Processing times

Receiving payments

Incoming ACH: Based on what time of day the ACH transaction is submitted, it can take 3-5 business days for the payment to be processed. Incoming international ACH: Depending on the country and sending institution, it can take up to 7-10 business days for the payment to arrive in your Brex business account. Incoming domestic wire: Domestic wires are usually available within 1-2 business days. Incoming international wire: International wires typically arrive in 3-5 business days. These payments will take longer than a domestic wire as there may be multiple banks involved in processing. Check deposit: Processing times for check deposits vary depending on the size of the deposit. Checks typically clear two to seven business days after they’ve been deposited. Until they’ve fully cleared, the funds won’t be available for use. While we cannot expedite a check’s processing time, you can view the status of your deposit from your dashboard under Accounts > Brex business accounts > Transactions. For all incoming ACH and wire transfers, please reach out to the sending institution if you experience any delays.

Sending payments

Outgoing ACH: Outbound ACHs are typically processed within 2-3 business days, depending on what time of day the ACH transfer is submitted. Outgoing checks: Outbound checks are printed and mailed within 2 business days. From there, delivery times vary depending on the recipient’s location. Please allow up to 7-10 days for arrival. You can view your processing checks in the dashboard under Accounts > Brex business accounts > Transactions > Processing transactions. Outgoing domestic wires: Domestic wires are usually sent and completed within 1-2 business days. Outgoing international wires: Outbound international wires typically send from Brex within 1-5 business days, but delivery completion varies by country. These payments will take longer than a domestic wire as there may be multiple banks involved in processing. Bill payments: You can send a bill payment via ACH, check, domestic wire, or international wire. Processing times will align with standard processing times for that method of payment (e.g., 2-3 business days for an ACH) plus an additional 1-2 business days if you’re funding via an external bank account.


View pending transfers

If you sent a transfer from the Brex platform, an account admins can keep an eye on it from the Brex dashboard. It will be marked as Pending until it’s fully processed. At that point, it will change to Processed, if successful. Pending transfers can be found under Accounts > Business accounts > [Brex business account name] > Transactions. Note: If you used an external service to initiate the transfer, you won’t be able to see the pending transfer until it has cleared in your Brex business account.


Transfers outside of standard processing time

If your transfer is only slightly outside of standard processing time, please give it a few extra days to clear. If your transfer is well outside of processing time or you suspect there may be another issue, please follow the steps below.

Outbound transfers

Step 1: You can view the status of the transfer on your Brex dashboard under Accounts > Business accounts> [Brex business account name] > Transactions. Step 2: If the transfer says Processed but it has yet to be received, contact the beneficiary. They should be able to trace it.

Inbound transfers

Step 1: Reach out to the correspondent financial institution to see when they expect the transfer to clear. Step 2: If they can’t provide a timeline, request the following for tracking purposes.

  • For ACH transactions: The trace number
    • A trace number is a unique 15 digit number assigned to an ACH entry by the ODFI–the bank that originated the ACH transaction.
  • For domestic wires: The IMAD/OMAD
    • IMAD/OMAD is a unique number given to each FedWire payment when using the Federal Reserve Bank Service and can be used to investigate and track wire transfers after they have been sent.
  • For international wires: The SWIFT Message / MT103
    • The SWIFT message / MT103 is a standardized payment message used when transferring funds internationally. This can be used as proof of payment and for tracking incoming transactions.

Step 3: Contact Brex Support via live chat with this tracking information.

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