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RECENT CHANGES

As of November 2023, there are additional sameday processing windows, reflected in the Sameday chart below. Success poller is run at the top of the hour to catch the latest return files.

Credits & debits are processed on different schedules and are reflected here. See the ACH Processing Holiday Calendar for recognized holidays that impact processing.

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Disclaimer:

Sila is not responsible nor has control over any transaction flow that falls outside of the Sila Ecosystem. If you experience any delays for a credit transaction, please contact the bank that is being credited for further clarification.

Sila Transaction Dashboard/Webhooks

• Issue and redeem statuses found in the transaction dashboard and webhooks are an estimate.
• To limit ACH returns, there is a padding implemented which means Sila is estimating when these transactions SHOULD be completed by (at the latest).
• Transfer transactions are the only transactions Sila has full control over, therefore Sila can not guarantee complete accuracy regarding when an end user will see the funds debited or credited to their bank account.

Sameday

From processing type: SAME_DAY_ACH

• Any Debit (Issue Sila) transactions that are initiated before 9:30 am PT (Monday - Friday) SHOULD be reflected in the User’s wallet within two business days by 6:00 am PT (Monday - Friday)
• Any Credit (Redeem Sila) transactions that are initiated before 9:30 am PT (Monday - Friday) SHOULD be reflected in the User’s bank account by the end of business day.

Standard

From processing type: STANDARD_ACH

• Any Debit (Issue Sila) transactions that are initiated before 5:30 pm PT (Monday - Friday) SHOULD be reflected in the User’s wallet within two business days by 4:00 pm PT (Monday - Friday).
• Any Credit (Redeem Sila) transactions that are initiated before 5:30 pm PT (Monday - Friday) SHOULD be reflected in the User’s bank account by the following business day by the end of business day.