Express Funding

Card payments in your account the next business day

How it Works

With Express Funding, Visa®, MasterCard®, American Express® and Discover® payments are settled in your account the next business day.1 Companies that manage receivables through a one-bank system gain the benefit of integrated merchant services and enhanced business cash flow with next business day funding.

You can take advantage of Express Funding when you open a new Merchant Services account, which offers unique benefits:

For qualifying merchants, Merchant Services' ECR (Earned Credit Rate) can also create the opportunity to reduce merchant processing fees and improve operating margins.


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Related Services

Merchant Services

1Express Funding—Next business day funding is available to clients opening up a new merchant services national account with Commerce Solutions and who deposit into a single JPMC business checking account for Visa®, MasterCard® and Discover® transactions only. All accounts and merchant processing and other related services are subject to applicable terms and conditions, credit approval, KYC and anti money laundering polices and funds’ availability policies. JPMC must receive settled bank account transactions by 11:59 p.m. EST. Funds are deposited on the next business day, excluding weekends and bank holidays. Some exclusions may apply; talk to a Commercial Banking Representative for more details.

2Estimates are based upon figures for eCommerce, mail order, and telephone transactions handled by US acquirers based upon The Nilson Report, 2016. Actual results might vary.

3Businesses are required to complete an application and agree to terms and conditions at the time of enrollment. All businesses are subject to credit approval. Other conditions and fees may apply; see Merchant Services Application for more details.


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