How Long It Takes for a Rent Payment to Reach an Owner’s Bank Account

Summary: It can take up to 4 – 14 calendar days from the moment the renter (or their company) pays until the deposit appears in your account.

Enterprise payers dominate. About 80% of stays are paid by insurance companies, relocation firms, or large employers; the remaining 20% are paid by individual guests or through Airbnb.
The payment method controls speed once payment is due. ACH is quickest, credit-card (CC) transactions sit a bit longer, and paper checks move at postal pace.
1. Stripe is the payment provider who handles ACH and CC and doesn’t offer any flexibility on timelines
2. Note: In 90% of TCH bookings, payment is due before the guest check-ins and so no additional delay to the below Step-by-Step Timing table below applies. In the remaining 10%:
  1. Airbnb doesn't releases payment until 1-2 days after check-in (so add another 1-2 days on top)
  2. Major corporate relocation company such as Sirva pay on net 30 payments terms (less than 2% of bookings, add another 30 days on top)
What we do behind the scenes.
1. Reconcile accuracy — We compare what should have been billed against what actually arrives (and dispute under-payments when needed).
2. Update your ledger — We deduct and record any pre-approved maintenance we fronted so your statement is exact.
3. Remit the balance — As soon as the numbers tie out and funds have settled in our bank account, we trigger your ACH payout.

Stage	What Happens	Business-Day Timing*
1. Payment reaches TCH	ACH transfers, card settlements, or checks arrive at TCH account	ACH: 2 - 3 Credit Card: 5 - 7 Check: 7 – 10
2. Bank settlement	Funds clear to guard against fraud/chargebacks	+ 1 – 2
3. TCH accounting	We reconcile, update maintenance, and book the payout	+ 1
4. Owner ACH payout	ACH initiated; your bank posts the credit and the funds appear in your account	+ 1 – 2
5. Total	Start to end: payment initiated by renter/partner to funds settling in owner’s account	4-14

*Weekends and U.S. banking holidays add extra calendar days.

Count business days from the guest’s payment date using the “End-to-End” ranges above.
Check your email and Owner's Dashboard where you will receive a notification of the payout
Still past due? If you’re more than two business days beyond the range, email ownerprogram@staytch.com and we’ll look into it right away.