Liquidity Articles

Same-Day, Next-Day or T+2 Payouts: Calculate the Real Cost

Use a scheduled next-day or T+2 route for obligations it can deliver on time. Add same-day or instant payments for eligible recipients when the shorter wait is worth the incremental fee, liquidity requirement and operating cost. The decision starts with the recipient’s required receipt date, then works backward through approval, funding, provider cutoff and bank availability.