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 the speed once payment is due which follows the Step-by-Step Timing table below. 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.

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.

For most of the of the TCH bookings, payment is received prior to guest check-in, so the Step-by-Step Timing table below applies as written.
For the remaining bookings, here are the typical payment timelines for when we receive funds, after which we process your payment (read: add the number of days below to the Step-by-Step Timing table) :
- Insurance placement companies: Typically remit payment within 5-7 business days after receiving the invoice. Add 5-7 days to the timeline.
- Online booking platforms (e.g., Airbnb): Payment is released 1-2 days after guest check-in. Add 1-2 days to the timeline.
- Corporate relocation companies: These bookings account for less than 2% and follow net 30 payment terms. Add approximately 30 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.