What is the difference between Zero-Day Hold and Next-Day Funding? On a credit card processing statement, these terms refer to the "Funding Lag" or the time between a transaction and the deposit into your bank account. Next-Day Funding: Transactions are batched by a specific cut-off time (e.g., 9:00 PM EST) and deposited the following business day. Zero-Day Hold: A faster funding model where the processor initiates the deposit immediately, often resulting in funds being ava
