Okay so, there are times when making a sale for my services that I use the flexibility of paying online as an option. The initial process is easy and convenient for the client or customer, but what about the seller? There are many different merchants you can use like PayPal, Quickbooks, Stripe, Square, and others. I've used all of these and currently use a service called Wave. Now for the seller, there are times when waiting for the transfer to complete, it can take several days. I had to know why because when you're needing the cash sooner than a few days, it can be somewhat frustrating, plus you're having to pay transaction fees. There other merchant services that can transfer money sooner such as the Square Cash app, Gmail, Facebook Messenger, ApplePay and more. I was once able to instantly get money in my bank account by using Facebook Messenger and it was free! So why the waiting time for other merchants? As I researched, getting a little education on why has been understanding and helped me gain a little knowledge in the process. I would say to try out several merchants to see which is best for you and your business. Here's an article that may help you understand the reason why it takes long for a transaction to process to completion. Click link .