Most transactions have a settlement date of about 8 hours after the donation date. However, there are outliers that have a settlement date minutes after the donation date and others with a settlement date of up to 3 days after the donation date. How can this process become more reliable?
It is normal for settlement dates to be up to 3 days after the donation date. This happens when any of the banks or companies involved are slow in processing the transaction including but not limited to the donor's bank. Because there are so many different companies and banks invovled in creating and providing the settlement data, there will be delays from time to time. Despite the complication involved, transactions do usually settle within 3 days. Contact support if that take longer than 3 days to settle.
Note that ACH transactions are different and can take up to 9 calendars days to settle.