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

📌 Summary

It can take 4–14 calendar days from the time a renter (or their company) submits payment until the deposit appears in the owner’s bank account.

Several factors affect the timing between guest payment and owner payout:

Enterprise payers dominate

Approximately 80% of stays are paid by insurance companies, relocation firms, or large employers. The remaining 20% are paid by individual guests or through platforms such as Airbnb.

Payment method determines speed

Once payment is due, timing depends on the payment method:
1. ACH is the fastest
2. Credit card (CC) payments take longer
3. Paper checks move at postal speed
  
  Stripe is the payment provider handling ACH and credit card payments and does not offer flexibility on processing timelines.
  
  Behind-the-scenes processing
  
  After funds are received, Texas Corporate Homes:
4. Reconciles billed amounts against received payments and disputes underpayments if needed
5. Updates the owner ledger, deducting any pre-approved maintenance that was fronted
6. Remits the balance by triggering the owner’s ACH payout once funds have settled

Stage	What Happens	Business-Day Timing*
1. Payment reaches TCH	ACH transfers, card settlements, or checks arrive in the TCH account	ACH: 2–3 Credit Card: 5–7 Check: 7–10
2. Bank settlement	Funds clear to protect against fraud or chargebacks	+1–2
3. TCH accounting	Reconciliation, maintenance updates, and payout booking	+1
4. Owner ACH payout	ACH initiated and funds post to the owner’s bank	+1–2
5. Total	From renter/partner payment to funds settling in owner’s account	4–14 days

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

For most Texas Corporate Homes bookings, payment is received before guest check-in, and the timing above applies as written.

For other bookings, the following timelines apply before the step-by-step process begins (these days should be added to the ranges above):

Insurance placement companies

Typically remit payment 5–7 business days after receiving the invoice
Online booking platforms (e.g., Airbnb)

Release payment 1–2 days after guest check-in
Corporate relocation companies

Represent less than 5% of bookings and follow net 30 payment terms

Count business days from the guest’s payment date using the end-to-end timing ranges above
Check your email for payment notifications
If payment is more than two business days beyond the stated range, email ownerprogram@staytch.com for assistance and we'll happily give an update.