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Settlement-hold days is not same-day ACH fail

How to run thisPayments3 steps
CalculatorSettlement-hold days · Calculator lives in the articleOpen

Release day − hold start day make hold days. Type both plus batches.

Pair: Settlement-hold days on Payments. Same-day: same-day ACH fail. Prenote: ACH prenote lag.

What you type

Hold start day — Day index when the SeamlessChex settlement hold began.

Release day — Day index when that hold released.

Batches — Settlement batches in that same hold window.

Hold days = release day − hold start day. Chase release / risk rules when hold days are fat — do not invent a hold chip.

What not to do

Do not invent hold days. Do not mix same-day ACH fails into day indexes. Do not treat prenote lag as settlement hold. Do not average every MID when one owns the hole.

Related: Payments, same-day ACH fail, ACH prenote lag, settlement-batch reject share.

Procedure

  1. Type hold start day, release day, and batches.
  2. Read hold days.
  3. Chase release / risk rules when hold days are material.

Failure modes

  • Inventing hold days.
  • Mixing same-day ACH fails into day indexes.
  • Treating prenote lag as settlement hold.

Worked example

None on this page yet. When one lands it will be a real case: what broke, the number, and what changed. Not a composite.

Glossary

Settlement-hold days
Release day − hold start day.

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FAQ

Is this same-day ACH fail?
Sibling Seamless grain. [Same-day ACH fail](/manuals/seamless-same-day-ach-fail) is fails ÷ attempts. This page is release day − hold start day.
Is this ACH prenote lag?
Related ACH clock. [ACH prenote lag](/manuals/seamless-ach-prenote-lag) is prenote before first rebill. This page is settlement-hold days.
What hold days should I invent?
None. Type hold start day, release day, and batches from the same SeamlessChex window.