If you are expecting a deposit and do not see it in your bank account, there are several common reasons this may occur.
Use the checklist below to help identify the cause.
1. Settlement Timing
Valpay funds transactions on the next business day.
Transactions processed Monday–Thursday are typically funded the following business day.
Transactions processed Friday, Saturday, or Sunday are funded on Monday.
Bank holidays may delay funding by one business day.
Important:
Transactions must be settled before they are eligible for funding.
To verify settlement:
Log in to the Valpay Portal
Go to the Transactions tab
Filter by Yesterday
Filter by Sales and Refunds
Confirm transactions show as settled
If transactions are not settled, they will not be included in the next deposit.
2. Your Bank Does Not Recognize the Deposit
Deposits may appear differently on your bank statement.
The deposit description may not say “Valpay”
It may appear under a processing or merchant descriptor
Your bank may need to search by deposit amount instead of name
If unsure, contact your bank and ask them to search for the expected deposit amount.
3. Negative Balance Due to Refunds or Chargebacks
Valpay does not debit your bank account for negative balances.
If:
Refunds exceed daily sales, or
A chargeback is larger than your available balance,
You may not receive a deposit.
Instead:
The refund or chargeback is deducted from your internal balance
Future sales first offset the negative amount
Deposits resume once your balance returns to a positive amount
Example:
If you process a $1,000 refund but only had $600 in sales, the remaining $400 must be covered by future sales before funding resumes.
4. Account Funding Block (KYC or Compliance Review)
In some cases, deposits may pause due to:
Annual KYC (Know Your Customer) review requirements
Missing documentation
Compliance verification updates
If your account is under review, funding will resume once required documentation is completed and approved.
5. Outstanding Monthly Processing Fees
If monthly processing fees remain unpaid:
Funding may be temporarily paused
Deposits may be held until the outstanding balance is resolved
If you suspect this may be the case, please contact Support.
6. Declined Transactions
Declined transactions are not funded.
Common reasons for declines include:
Insufficient funds
Expired card
Card restrictions
Issuer declines
Only approved and settled transactions are eligible for deposit.
Quick Funding Checklist
Before contacting Support, confirm:
✔ Transactions are settled
✔ It is not a weekend or bank holiday
✔ Your balance is not negative
✔ There are no large refunds or chargebacks
✔ Your account is not under compliance review
✔ Monthly fees are current
Still Missing a Deposit?
If you have reviewed the above and still cannot locate your deposit, please contact:
Include:
Your business name
The expected deposit date
The expected deposit amount
Our team will be happy to investigate further.