The payment processor sends the authorizations to the card association. Show more Less. Typically, this process starts the same day that the authorization happens (at close of business), but it may take a few days to complete. With these tools you can view, download and import account information such as transaction activity, deposits, funding, chargebacks, retrievals and statement information. There should be 12 billing cycles for your credit card per year, even if December's billing cycle ends sometime in January. Once that's complete, it can take up to six business days for the funds to receive and confirm their contributions. The process is fast, but the actual time frame for the funds to hit your account depends on when the issuer initiates the payment. You might put in a lower offer in hopes of getting a better deal. Bank: Up to 14 days. 2 replies. Capital One: Three to 14 days. This prevents you from accruing fees or risking foreclosure. We would like to show you a description here but the site won't allow us. While electronic payments are faster, they're not instant. Alternatively, use remote check deposit when available, and deposit checks early in the day to qualify for that day's cut-off time. Paying by mail will naturally lead to the slowest processing, as your payment could take five to seven. If you were traveling internationally when you purchased and returned an item for a refund on your credit card, you may still incur a foreign transaction fee. An online bill pay service works by deducting a payment from your account balance and transferring it to a service provider. Oct 31, 2021 · Depositing in person with a teller may speed up the process. How long does it take for direct deposit to activate? It could take a couple of weeks for a direct deposit to go into effect. A transaction didn't go through but is still pending. With this in mind, you might want to contact your credit. Bank of America: 3-5 business days. Not provided. With that said, one week is not very much time at all so all you can do is be patient at this point. No holidays or weekends were involved. In the sample calendar above, a payment is scheduled to start in TFS on the 11th. This means you can’t request payment until these stats update. Typically, it takes 1-3 business days for a non-Cash App user to receive payment. This request will be made. Issuing bank. A down payment is the money you pay up front toward the cost of your new home or property. This is the best way to manage your mortgage. If you request a special design, which some companies offer, your card could take longer. Why do Discover transactions take so long to post compared to other cards? This is just a general curiosity question. Are you wondering why your deposits take so long to show up in QuickBooks? Find out the possible causes and solutions for this issue in this helpful article. (Keep in mind: It can take up to 2 months to stop receiving paper statements. It usually takes one to three business days for a credit card payment to go through, whether customers pay online, in-store, or via phone payment. Please check the Weekly Billing Cycle article for more information about the schedule to release hourly payments. First, a payment processor must collect their fee from the merchant. Nov 6, 2023 · Payments that did not go through late last week had to be resent, a process that can take time. After approx 24 hrs the banking institution will clear the payment. Once you officially miss a mortgage payment, your lender will typically first send a notice that includes a charged late fee. With that said, one week is not very much time at all so all you can do is be patient at this point. Discover usually processes payments on the same day if you pay before midnight Eastern Time, except for payments you make on your cycle date. com analyst. Wilmington, DE 19801. Similar questions. I have often wondered why the payment centers take so long in certain cases and can be remarkably fast in others. Truth in Lending Act governs card payments. Review payment details and tap "Schedule it". Transfers set up after 5 PM ET will post to your Capital One account the following business day and be subject to standard hold times. Cash App payments are usually available instantly. Most people pay their credit card bill on the due date, but always confirm the payment cut-off time for online or check payments with the issuer to ensure your payments aren't late. Enter the amount to pay and tap "Schedule". Choose Upload document, provide your bank details, and choose Save and verify account. When figuring out how to remove a hold on a bank account, you can often contact your bank and find out what caused the hold. True fraud is the most. Payments scheduled for the future will post on the same day the payment is scheduled for. The wire network, however. This is the second most asked question concerning the VA disability process for veterans. Personal banking. If you were traveling internationally when you purchased and returned an item for a refund on your credit card, you may still incur a foreign transaction fee. Chase: Seven to 21 days. Making late payments could result in late fees or a derogatory mark on your credit report. Just like your existing mortgage, you'll have to provide proof of income and other financial information when you apply for a refinance. The actual payment appears to take 3-4 calendar days typically. (Or in your case, forever. This delay is due to the time required to process the payment between financial institutions. In most cases, that means you can follow any steps you see outlined in your activity feed in order to resolve the issue. In some cases such as card refunds, the bank may need an additional five days to process the transaction. With this in mind, you might want to contact your credit. The financial institution that provided the cardholder with their card. Payment processing is quicker if the customers’ credit card is linked to their checking account and both are from the. A slight delay at any stage further delays the entire process. It can take one to three business days for an online or phone payment to post to your credit card account and reflect in your available credit. The time you need to wait depends on if: you had a payout from your employer; your payment was cancelled for not meeting your requirements. Some transactions post the same day while others can take a few days due to merchant processing and holds. I have 3 Chase cards. Typically, banks process ACH debit payments three times a day and have cut-off times. Settlement deposits are usually associated with banking. This act covers transactions involving debit cards, ATMs and electronic debits. The number of days in each billing cycle can change but should be roughly one month. Payment Pending. Will you ALWAYS withdraw my automatic payment even if I've made another payment? For mortgages: We will withdraw another payment automatically even if you've made a payment through a branch, online, mail or phone. Then factor in that time lag when you set your automatic payment date, so the payment gets posted before your credit card bill's due date. Here are the top five. I'm sure it has a lot to do with how long it takes the bank to actually get the money from the other bank. Issuing bank. Chase: International wires take 1 - 5 business days³. The waiting period can vary for multiple reasons, such as the time of day that the transaction was entered, and which financial institution that. At that point, you file the claim by going to a branch or calling customer service. Automated clearing house system. Companies, generally, are taking fraud precautionary measures, she said. ET Monday-Saturday, will post on the account at midnight on the same day it is received. Tap "Accept a card payment" at the top of the screen. From 2004 to a few months ago, all my payments to Blizzard were processed instantly. We know you count on your personal checking and savings accounts to meet your everyday banking needs. “There is no gap in interest no matter how long the payment actually takes to process. If a hold is placed on a deposited check, the bank will. If you're early,. The bottom line. Feb-25-2019 01:13 PM. why does it take so long for a payment to post and who can you call. If you're early, you're on time. The payment processor sends the authorizations to the card association. Show more Less. With Google Wallet, it takes three or four. Payments received on weekends are generally processed on the next business day, Monday, unless it’s a federal holiday. When I pay I am credited immediately and the payment is pulled from my bank account the following day. How does the Online Bill Payment Guarantee work? Your payments are important to us—so important that we guarantee they’ll be sent on the “Send On” date you specify. Neither does Goldman Sachs. The financial institution that provided the cardholder with their card. Then factor in that time lag when you set your automatic payment date, so the payment gets posted before your credit card bill's due date. If you don’t have a checking account, you can swipe left on your loan and tap Pay. Card payments sent by mail take between five and seven business days to process. Streamline monthly payments. The originators of these deposits are working to resend the payment. A Chase spokesperson said in a statement: "A system issue affected ACH debits and credits sent to us, as well as to other banks. Your first transaction and any manually reviewed payment takes approximately 5-7 business days to complete instead. Why do pending transactions take so long to clear? Pending transactions may take some time to clear for several reasons, and the process involves coordination between multiple entities, including the merchant, credit card issuer, and payment processors. This prevents you from accruing fees or risking foreclosure. 5 to 7 business days (possibly. Chase strives to process transfers promptly and efficiently, but the actual processing time can vary depending on various factors. This can lead to having multiple charges that add up to the purchase price over a short period of time. - 7-10 business days for ACH deposits. Online payments on Citi credit cards received by 12 midnight Eastern are credited to the account the same day. If you make a digital payment after 5 p. Walnut Street. I made some payments last Friday (2/14) with all my cards and noticed that all 3 of my Chase accounts have not updated "available credit". If you don’t receive a response, please check your spam folders for an email from the Dealer(s). Debit card refunds aren't instant, mostly because of the process that goes on during the refund. You can only make payments from eligible Chase accounts. When figuring out how to remove a hold on a bank account, you can often contact your bank and find out what caused the hold. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. If you. Certain reversal transactions of a prior credit or debit posted to your account. This method can transfer money in as little as two business days. You or an authorized user can easily approve a payment for processing. However, they can send a Form 1099-K with lower amounts. You may contact the merchant. My available credit goes up pretty much in 1 business day. Day 5 my payment shows in activity/balance on Synchrony site. Here's how: After signing in, choose the "Pay & transfer" tab and then "Pending approvals". Making payments each month is easier when you have fewer bills to manage from multiple credit cards. So be aware of that, and know what your bank’s. Another way to pay almost right away is to do an Instant Transfer. In processes where there is a middleman involved, there is more of a risk that fraud will occur. Generally, domestic bank wires are completed in three days, at most. Delivered by virtual card: The virtual card number delivers on the process date. Also no risk to spend more than you have. 6% + 10 cents for dip, swipe and tap transactions, including Tap to Pay on iPhone. What does pending transaction mean? A pending credit card transaction is a purchase or charge that hasn't been fully processed. Discover: Up to four days for existing cardholders; 18-21 days for new cardholders. Banks do this by providing funds as soon as the payor, such as your employer, provides the deposit information, rather than waiting for the actual funds to clear. To approve, check box next to payment and choose "Approve". Bank Processing Time. Rating: 9. (248) 850-1160. Walnut Street. Social Security Scotland uses a points. Either way, paying your statement balance each month by the due date can help avoid interest charges on a credit card. Pay at least your minimum payment when it’s due each billing cycle, and you’ll pay off your. As long as you pay off the statement balance before the statement due date, so do credit cards. However, the specific refund time varies depending on the mode of payment used. If you make a digital payment after 5 p. This means checking your employment status (W-2s and pay stubs), assets (checking and savings accounts) and outstanding debts (car and student loans). Payment processing is quicker if the customers’ credit card is linked to their checking account and both are from the same bank. Here are 10 reasons why your card may have been declined: 1. Trade settlement for most investments is one to two business days. Capital One: Up to 3 days after approval. Normally I always received payments from fiverr, and this was my first work for an individual. Transactions needing your approval for payment will appear. If you're traveling internationally (or even domestically) and use your card, your credit card issuer may assume that your card was stolen and lock your account. You may need documents like bank statements, pay stubs and tax returns to apply for most refinancing loans. It might be helpful to consult with your employer to understand their specifics and monitor your account closely during this time. Payments that did not go through late last week had to be resent, a process that can take time. Tap "Add an external account" and then search for your bank. The most common answer is to telephone PayPal support. "When everything's hitting right, it's a next-day transaction," Steve Kenneally, vice president of. If it takes too long contact Support. While many issuers can complete the process within a week, it's not a "set it and forget it" kind of situation. Discover Bank is known to process payments on the same day as long as the payment is made before 5 PM. Trade settlement for most investments is one to two business days. 5 tips on how to manage mortgage payments. Chase wouldn't have any customers if they weren't on every street corner. After approx 24 hrs the banking institution will clear the payment. Choose "Confirm" to submit the payment. It reduces the amount of money you'll need to borrow to purchase the home. With Zelle ®, you can send money using your enrolled. If the customer didn't get what they paid for, they're required to contact the merchant before disputing the charge, which will usually result in the. Look for "Split into 4 payments" next to an eligible purchase. Transfers to a bank account are free, but there is a $1. For instance, Cash allows you to send up to $250 within any 7. To sign up for Chase Payment Solutions reach out to a Payments Advisor at 1-877-843-5690 or connect with us. That is all depending on what source. Please check the Weekly Billing Cycle article for more information about the schedule to release hourly payments. Despite the processing time, your credit payment is considered on. Your bank often places a hold on deposits for five days or so, but in some cases, the funds become available more quickly. In some cases such as card refunds, the bank may need an additional five days to process the transaction. It will take banks additional days to look into your account to ensure the transactions are in order, resulting. With our low rate balance transfer offers, you can put more of your payment toward the balance and less toward interest. Here’s how: Sign in to the Chase Mobile ® app and tap "Pay and Transfer". I didn't send any payment request to him, as I didn't know the process at the first. This protects sellers from being shortchanged if a buyer decides to cancel their order. In some cases such as card refunds, the bank may need an additional five days to process the transaction. Issuing bank. However, a bank can hold a check longer for several reasons. 10 year Top Contributor. They may then report the missed payment to the three major credit bureaus (Experian™, Equifax. If you've ever made a card payment online, you'll know there may often be a lag while the issuer processes it. The exception hold applies to personal, business and government checks. Message View Profile. Depending on the lender and type of loan, a minimum mortgage down payment can range from 3-20% of the home purchase price. Credit card charges typically show up as pending transactions on your account until the transaction is processed or a hold is removed. What happens after I request a balance transfer? Most transfers are processed within a week, but in some cases it can take up to 21 days. If you are accepting payments with a Chase Payment Solutions account, you can close your account through the Chase Mobile app or Chase. You can cancel a Standard ACH as long as you do so before the 8:00 PM ET cutoff time. The waiting period can vary for multiple reasons, such as the time of day that the transaction was entered, and which financial institution that. Your payment may even be credited to your account before it posts. Sign into your account and click on the Chase Payment Solutions tile; Tap the Collect and Deposit option in the top menu bar. Online payments can be canceled up to 5:00 p. Here's how: Sign in to your Chase Mobile ® app. There’s another reason for the delay: fraud. Transfers set up after 5 PM ET will post to your Capital One account the following business day and be subject to standard hold times. Some banks may take longer than others to process and clear any funds they receive. For example, if you were to execute an order on Monday, it would typically settle on Wednesday. Same day the. With this rough understanding of the ACH network, one begins to realize why this process takes so long. You or an authorized user can easily approve a payment for processing. 💡Tips: To. We would apply this automatic payment to the next payment that's due. Sign into your account and click on the Chase Payment Solutions tile; Tap the Collect and Deposit option in the top menu bar. "My question is, every time I pay my gas bill on time, the. It takes about 10 days for payments to be processed. As long as you pay off the statement balance before the statement due date, so do credit cards. Your card issuer has to follow the directives of the Truth in Lending Act in regards to when it should post your card payment. It's happened to the best of us: You put off paying your utility bill so your paycheck can clear, then remember, the night before it's. Hotels aren't the only kind of merchant to use pre-authorization holds to ensure funds for a potential charge, but they typically hang. Are you wondering why your deposits take so long to show up in QuickBooks? Find out the possible causes and solutions for this issue in this helpful article. The issuing bank validates the credit card number, checks the amount of available funds, matches the billing address to the one on file and validates the CVV number. Deposits to EUR balances using SEPA transfers can take up to 2-3 business days to complete. No one here can fix that or offer solutions. We'll review your bank statement within a few business days. Zelle says an enrolled user should get money sent to them within three days. This typically happens within 24 to 48 hours of the transaction. Some credit card payments may take longer to post, depending on the issuer and the payment method used. ) Reply reply. Why paying bills on time is important. If your payment is pending, confirm with the person they've enrolled with Zelle® and that you entered the correct email address or mobile phone number. Box 6294. While electronic payments are faster, they're not instant. If the payment is due on the Tuesday after Memorial Day, when the Post Office is closed, you should factor that into when you mail the check. Under federal law, the first $225 of a check must be available the next business day after the check is deposited. bigsisbull5eye • 2 yr. The payment processor sends the authorizations to the card association. This is known as an "exception hold" and can last for a reasonable period of time, defined in the rules as up to five days-one explanation of why it might take up to five days for a check to clear, in addition to the original hold imposed by the bank. If you're early,. Real-time payments are unavailable from 2-6 AM ET on business days and cannot be cancelled or reversed, once processing begins. Under federal law, the first $225 of a check must be available the next business day after the check is deposited. Feb-25-2019 01:13 PM. My available credit goes up pretty much in 1 business day. This could stretch out several days. You can also call this number to check a Chase business credit card application status. In some cases, receiving an international wire transfer can take longer, but more on that later. Take a look at these 3 reasons why your claim decision may not be. It can turn out to be a head-holding scenario for the buyers. Once you sign up, we'll stop sending you paper statements; instead, you'll get email notifications when your statement is available online. Nov 6, 2015 · Often, the current ACH process doesn't throw consumers too far off their bill-paying course. If you don't pay your credit card bill on time, you'll forfeit the points (or pay $35 to. It stems from the days before all this technology when we have to wait 30 days for the next paper statement to arrive in the mail. Some transactions post the same day while others can take a few days due to merchant processing and holds. Yes, but: Chase also has a motivation to offer such a service: It provides an incentive to customers to sign up for direct deposit, which is cheaper for the bank to process than physical checks. We review all payments before we process them, and we may require additional information which could cause some delay. Many merchants 5 days. There are reasons it moves at the pace it does. Capital One: Three to 14 days. If Chase ever delays your personal Chase Online℠ bill payment, we'll cover late fees that result from the delay if you have followed these simple guidelines:. Payments scheduled for the future will post on the same day the payment is scheduled for. sunbelt rentals workday login, movie subtitles downloads
Citi: Two to 21 days. . Why does chase take so long to process payments
In other words, your card issuer may acknowledge receipt of the payment before the transaction is fully processed. In most cases, online credit card payments will take between one and three business days to post to your account, and your balance should be. Weekends are generally non-business days for banks. This motivational mantra, often used by military instructors, is a good rule of thumb for making sure. When a seller receives payment through PayPal, the funds are transferred to their linked bank account. For most banks, the cut-off time is around 5 p. - 7-10 business days for ACH deposits. If you’ve wondered why it takes so long for purchases to show up on your credit card statement or withdraw from a bank, it’s because of a long,. Payments are withdrawn from your bank account within one to three business days following the payment posting date. The originators of these deposits are working to resend the payment. Feb 25, 2019 · 1 ACCEPTED SOLUTION. With many card companies, you'll make a payment, money funnels out of your bank account yet you see no change to your card's balance until days later. The exception hold applies to personal, business and government checks. House prices are up for negotiation. While many issuers can complete the process within a week, it's not a "set it and forget it" kind of situation. GUIDE TO YOUR ACCOUNT †. Check the date you sent the money. Taxpayers should note that the IRS updates the tool once a day, usually overnight, so there's no need to check more often. Why Do Payments Take So Long To Process? The amount of time it takes to transfer funds may depend on the customer's risk profile — being a new customer or transferring a large amount of money could contribute to delays, explained Mary Wisniewski, a Bankrate. bigsisbull5eye • 2 yr. Note that certain checks may take additional time, particularly if it’s an international transfer as those may take longer to verify. Match your fees to one of your QuickBooks expense accounts. It's quicker and I haven't had any problems with past due payments. Still, there. It sits in their ‘pending. Adam Rozsa. Your credit card will be paid automatically each month on your due date (if your due date falls on a Saturday, we'll make your payment the Friday before). This can lead to having multiple charges that add up to the purchase price over a short period of time. When Chase receive the funds you will get the credit in your account. That’s because payments made using a. At present, Chase Bank does not allow payment processing facilities for CBD sales. Most credit card issuers will send a new card in 10 to 14 days. My payment wasn't due for 18 more days. The time now is 07:04 AM. You may have to wait if your employer paid you a lump sum such as annual leave or redundancy when you left. It probably depends on how your bank is processing the payment. 201 N. We review all payments before we process them, and we may require additional information which could cause some delay. With Google Wallet, it takes three or four. A down payment is the money you pay up front toward the cost of your new home or property. Card payments sent by mail take between five and seven business days to process. This prevents you from accruing fees or risking foreclosure. You can check your accounts to see when the transfer processes. That's a big difference. Sign in to the Merchant Service Center. However, once you've been approved, most companies will mail you the card within an average of 7-10 business days. What the waiting periods are. Once you officially miss a mortgage payment, your lender will typically first send a notice that includes a charged late fee. Why does processing payments take so much time? Whenever I add coins (funds) to my account, it takes a long time, more than 10 minutes to process. Nov 19, 2023 · Deposits Take Even Longer At Times. If your card issuer suggests setting travel notifications, alert them that you're traveling ahead of time. Recently, however, Amex has updated its systems to now reflect balances and available credit immediately upon making a payment. These include the merchant, the bank or credit card issuer, the payment processing network and the type of transaction. Why paying bills on time is important. More than 1,000 banking apps in the U. So your money’s safely on its way, but the recipient bank is still processing it. Between that delay and the credit card company's crazy process, there is a big opening for late payments. A bill pay service may be included as part of a checking account's features. Pairs with the Chase POS app popup content end. But some banks are faster than others — it might take up to 2 working days for some currencies. The receiving bank might take extra time to process it. A down payment is the money you pay up front toward the cost of your new home or property. (248) 850-1160. Think of an electronic check as a virtual version of your paper check. If you. First, a payment processor must collect their fee from the merchant. Thirdly, refunds take time because there are multiple online payment platforms involved. Why does processing payments take so much time? Whenever I add coins (funds) to my account, it takes a long time, more than 10 minutes to process. The receiving bank might take extra time to process it. The bottom line. Discover: Up to four days for existing cardholders; 18-21 days for new cardholders. Feb 28, 2012 · If you enter an online payment on the same day as you due date that is before the cut off time you payment is considered to have arrived that day. If you’re making a payment on a bill and are transferring money from another account to do it, expect a short delay. This means that banks will only process your transfer if your wire request comes before a certain time of the day. For overnight mail, send your payment to: Chase Card Services. I didn't know origin does this when purchasing a game from them or I would not have. If I purchase my leased vehicle, how long will it take to process the title? expand. " 'Real financial hardship' for Americans In 2022, late fees ranged from $30 for a first missed payment to $41 for subsequent payments. I have often wondered why the payment centers take so long in certain cases and can be remarkably fast in others. There are multiple transactions that might appear as pending. How long is your credit card billing cycle. If it was a pre-authorization hold placed by a merchant on a debit card transaction, you might be able to contact them directly and have them remove it. When I pay I am credited immediately and the payment is pulled from my bank account the following day. The merchant bank delivers funds to the merchant account. Here are 10 reasons why your card may have been declined: 1. Posted on Jun 7, 2021 12:38 PM. Please keep in mind that sometimes deposits may be delayed, especially in the case of federal holidays. Up to 14 days. No worries. Because this varies by bank, be sure to familiarize yourself with your bank’s ACH schedule. Match your fees to one of your QuickBooks expense accounts. Payments that did not go through late last week had to be resent, a process that can take time. Ted Rossman, analyst at Creditcards. With these tools you can view, download and import account information such as transaction activity, deposits, funding, chargebacks, retrievals and statement information. The new service will not be a replacement to ACH transfers but will eventually be interoperable with the current ACH system. (Or in your case, forever. It could be taken back by Chase after they investigate, which is usually within a few weeks. Oct 21, 2022 · How long does an ACH transfer take? ACH transfers can be made on the same day, next day, or 2 day payments². The delays are usually due to limited staff and changing working arrangements, including other unforeseen circumstances which disrupt the transfer process. With automated initiation, eCheck payment processing delivers your customer’s recurring payment to your business bank account with little to no effort or time from you. Alternatively, use remote check deposit when available, and deposit checks early in the day to qualify for that day's cut-off time. That is all depending on what source you made. On average, direct deposit usually takes one to three business days to clear. Bank: Up to 14 days. Yes, but: Chase also has a motivation to offer such a service: It provides an incentive to customers to sign up for direct deposit, which is cheaper for the bank to process than physical checks. When Chase receive the funds you will get the credit in your account. You can also call this number to check a Chase business credit card application status. Deposits to EUR balances using SEPA transfers can take up to 2-3 business days to complete. As soon as you request the withdrawal Vinted no longer has access to it. Online payments: Like phone payments, online payments are processed in batches. Debit card refunds aren't instant, mostly because of the process that goes on during the refund. Choose the bill you want to pay. Monthly bill totals can change: Remember to check statements before they post. Walnut Street. When you enroll, specify the pay-from account and how much you'd like to pay (e. com or in the Chase Mobile app. If you want to pay down the principal on your Chase car loan by adding a little extra to your payment when you pay onlinewell, don’t bother. Another way to pay almost right away is to do an Instant Transfer. However, the specific refund time varies depending on the mode of payment used. Streamline monthly payments. When figuring out how to remove a hold on a bank account, you can often contact your bank and find out what caused the hold. Using My Equipment. Next, you get the official approval, and then your new shiny card arrives in the mail. The issuing bank transfers the funds to the merchant bank and charges an 'interchange fee". On the other hand, a buyer who has already picked out a vehicle and is ready to get the ball rolling may find the buying process to be short and simple. Posted on Aug 29, 2019 2:59 PM. NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N. For instance, if you send your refund policy but the file size is too large, take a screenshot of the page with the cardholder’s signature. It's a fast and easy way to send and receive money with people you know and trust who have a bank account in the U. If you urgently need an update, please refer to any communications we've sent or call us at 1-888-338-2586. This delay is due to the time required to process the payment between financial institutions. Streamline monthly payments. The standard timeframe for refunds is 5-7 working days. However, once you've been approved, most companies will mail you the card within an average of 7-10 business days. Payment Pending. . r piracy streaming