> ## Documentation Index
> Fetch the complete documentation index at: https://docs.decodahealth.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Deposits

> Monitor bank deposits from your payment processor and understand deposit timing.

<Info>
  Navigate to **Billing > Deposits** (accessible from the Payments page via **View Deposits**) to monitor bank deposits from your payment processor.
</Info>

## Deposits Table

Each deposit row shows:

* **Subtotal:** The gross payment amount minus refunds.
* **Total Fees:** Processing fees, refund fees, and deposit fees combined.
* **Amount Deposited:** The net amount deposited into your bank account.
* **Transactions:** Count of payments and refunds included in the deposit.
* **Status:** Processing, In Review, Succeeded, or Failed.
* **Created:** When the deposit was initiated.

If you have multiple merchant accounts, use **Group by > Merchant Account** to see subtotals per account (see [Filter and Group](#filter-and-group) below).

## Deposit Details

Click any deposit row to open the **Deposit Details Drawer**, which shows the individual payments and refunds included in that deposit along with their fees and amounts.

If the drawer's itemized breakdown doesn't add up to what actually landed in your bank account — because the processor issued a corrective supplemental or handled surcharges differently — the drawer includes an **Adjustment** line that closes the gap. Together with the payments, refunds, and fees, the drawer's total always matches the actual net amount you were paid.

## Deposit Timing

Deposits are created on each US banking day for merchant accounts with available funds. One deposit per merchant account per day combines all eligible funds, regardless of when those payments were processed.

### Processing Times

How quickly funds become available for deposit depends on the payment method:

| Payment Method | Typical Timing                        |
| -------------- | ------------------------------------- |
| Card           | T+1 (1 business day after processing) |
| ACH            | T+4                                   |

<Info>
  "T+1" means one business day after the payment is processed. The exact timing may vary by merchant account.
</Info>

### Daily Cutoff Times

Payments submitted after the daily cutoff are treated as if they were submitted the next day:

| Payment Method | Cutoff Time |
| -------------- | ----------- |
| Card           | 11:00 PM ET |
| ACH            | 9:00 PM ET  |

### Weekends and Holidays

Card payments processed on weekends or holidays still count that day as the processing date, but the business-day countdown starts on the next banking day. For example, a card payment on Saturday with T+1 timing is deposited on Monday.

ACH payments processed on weekends or holidays start counting from the next banking day. For example, an ACH payment on Saturday with T+4 timing is deposited on Thursday.

<Note>
  ACH payments made over the weekend can be canceled until 9:00 PM ET on Sunday. If Monday is a banking holiday, the cancellation window extends to 9:00 PM ET on the holiday.
</Note>

## Filter and Group

Use the filter bar above the table to narrow the list. Available filters: **Status**, **Amount**, **Fees**, **Transactions**, **Created Date**, and **Payment Date**.

Use the **Group by** menu to group deposits by **Merchant Account** or **Status**. The table shows a subtotal row for each group.

The deposits list is paginated -- use the controls at the bottom of the table to move between pages.