Your batch, in your account, in minutes.
Something breaks on a Saturday. A supplier wants paying before Monday. Payroll is a day early. On Demand Funding moves the cards you've already run into your bank account whenever you say so, for a flat 1.5% — no loan, no interest, no monthly fee.
Minutes
From batch to bank
Any day, including weekends and holidays.
$50,000
Per day
Unlimited transfers, up to the daily cap.
1.5%
Flat fee
Not a loan. No interest, no monthly fee.
How it works
Normally a batch settles overnight and hits your bank the next business day. On Demand Funding lets you pull it forward on the days you need to — and leave it alone on the days you don't.
Our honest take
On a $5,000 batch the fee is $75. That's a good trade on the day a compressor fails and a bad habit if you do it every day. Use it like a tool, not a default — and if you find yourself needing it constantly, call us; that's usually a pricing or cash-flow conversation, not a funding one.
- 01
Run your day as usual
Take cards the way you already do. Everything you've charged sits in an open batch until it settles.
- 02
Tap “On Demand Funding”
In your Payments Insider dashboard, choose the batch and the bank account or debit card you linked when you enrolled.
- 03
Money lands in minutes
The batch settles and funds go straight to your account. If it isn’t there in 30 minutes, call your bank first, then us.
Turn it on yourself in about ten minutes.
On Demand Funding lives inside Payments Insider, the online dashboard for your merchant account. Two parts: get into the dashboard, then link where you want the money to go.
Part 1
Register for Payments Insider
Skip this if you already log in there to see statements.
- 1Go to mypaymentsinsider.com and choose Register.
- 2Have these ready:
- Your name and the email address on file with your merchant account
- Your Merchant ID (on your statement or welcome letter)
- The last four digits of your business checking account
- 3Confirm the email it sends you, set a password and your security questions. You're in.
Registration is limited to the account owner or an authorized signer, using the email you gave when the account was opened. New accounts can register 48 hours after the Merchant ID is issued.
Part 2
Enroll in On Demand Funding
Inside the dashboard, once you're logged in.
- 1Click the On Demand Funding button on your dashboard.
- 2Securely link where the money should go: your business bank account, or a Visa or Mastercard business debit card. A bank account is the better choice — no card limits, and nothing to re-link when a card is replaced.
- 3Next time you need it, open the batch, choose Transfer, and the money is on its way.
The fine print, in plain English
We'd rather you read it here than find it later. On Demand Funding is provided by our processing partner, Elavon, through the Payments Insider and Converge platforms.
- The fee is 1.5% of the gross batch total for each batch you settle through On Demand Funding, on top of your normal processing costs. Batches you leave to settle overnight are not charged.
- Transfers are capped at $50,000 per day. Your debit card issuer may set a lower limit; a bank account linked for real-time payments usually does not.
- One debit card can be on file at a time, and changing the card number starts a five-day waiting period before the new card can be used.
- Availability is decided by the processor based on your account’s risk and batch profile. If you don’t see the button after registering, tell us and we’ll find out why.
- Not available for lodging, cash advance, AmEx Direct, Discover Direct, fuel/fleet, or accounts running surcharge or convenience-fee programs. Each location enrolls separately.
- Only the account owner or an authorized signer can enroll.
Let the homeowner pay over time. You get paid in full.
A $9,000 system replacement is an easier yes as a monthly payment than as one check. We offer point-of-sale financing through Avvance from U.S. Bank: you send the customer an invoice with an application link, they apply from their phone in a minute or two and get a real-time decision, and U.S. Bank pays you the full amount within 48 hours. They collect the monthly payments — you never carry the paper.
Subject to credit approval. Loan amounts, terms and rates are set by U.S. Bank for each customer. Enrollment is free; you pay a per-transaction fee on financed sales, with no monthly or subscription charge.
- Loan size
- $300 – $25,000
- Terms
- 3 – 60 months
- APR
- 0% – 24.99%
- You’re paid
- In full, within 48 hours
Want either of these turned on?
Tell us which one and the name on your merchant account. Existing customers usually have On Demand Funding running the same week; financing takes a short enrollment with U.S. Bank.