Payment Turnaround Time

When you submit a payment request through the myXP system, here's what to expect. This applies to every payment request — including independent contractors and recurring bills — so it is the church's responsibility to submit on time and use the rush option whenever an invoice is at risk of being late.

Our processing commitment: myXP processes payments at least twice a week (usually more). The longest a bill should sit in our queue is a few days. The turnaround times below begin the day after we process the payment.

A Worst-Case Example (and why this matters)

In a typical week, the wait between processing runs is short. But occasionally the gap is longer — for example, bills get processed on a Tuesday and the next run isn't until Thursday of the following week. Here's how that math plays out:

Submitted: Wednesday (the day after we processed)
Sits in queue: 8 days until the next processing run on Thursday
Delivery clock starts: the following Friday
Paper check arrives: ~10 business days later → roughly 3 weeks from submission
ACH arrives: ~5 business days later → roughly 2 weeks from submission

If that timing won't work for your bill, reply to the payment confirmation email and let us know. We'll pull it out of the regular queue and process it at the next opportunity instead of waiting for the standard cycle. This applies to both ACH and paper check requests — and it's the single most important thing you can do to keep a time-sensitive bill on track.

ACH Payments — 5 business days (strongly preferred)

Funds arrive in the vendor's account anytime before the close of banking business on the 5th business day.

To sign a vendor up for ACH, have them submit this form.

Paper Checks — 10 business days

Delivery assumes a complete, correct address. Due to ongoing USPS delays, checks can run longer or get lost in the mail and need to be reissued. We strongly recommend ACH wherever possible.

Rush Payments — ACH only, $10 fee

Submit the payment as normal and note the urgency in the details.
Reply to the payment confirmation with the rush request.
We'll process as quickly as possible. The $10 fast-ACH fee is charged to the church's bank account.

Need a paper check expedited? While we can't rush USPS delivery, we can still prioritize getting the check processed and issued as quickly as possible. Reply to the payment confirmation email letting us know it's urgent, and we'll move it to the front of our queue. From there, standard USPS delivery times apply.

Recurring Payments

Recurring payments you've asked us to set up live in your QuickBooks Online as scheduled bills. On the date you specified, the bill drops into our queue automatically and follows the same timelines above.

If a recurring payment is consistently arriving late, post a to-do in Basecamp asking us to adjust the initiation date.

Rule of thumb: for a bill that must arrive by the 1st of the month, initiate the payment by the 20th of the prior month to absorb weekends, banking holidays, and USPS delays. When an arrive-by date is critical, please get the vendor onto ACH.

A business day is Monday–Friday, excluding banking holidays.