FAQ Get Started Request an Audit How long does it take to pay funds into my account after a credit card or ACH payment has been accepted? Card processing typically takes one business day. ACH payments are subject to a three-day hold period. Are there any set-up charges by the bank when applying for a merchant or ACH account? There are no setup fees charged by Transcend Pay or our banks. 0 hidden 0 hidden opacity auto .001 1 .001 45 0 0 .001 0