How Long Does a ClickPay Payment Take? Cutoffs and Holidays

The short version

Payment type	Cutoff (Central time)	Leaves your account	Settles
E-check (ACH)	7:59 pm on a business day	Usually 1–2 business days after processing	About the next business day
Credit or debit card	11:59 pm on a business day	Authorised immediately	3–4 business days
AutoPay	Runs about 4 am Eastern on the scheduled day	As e-check or card above	As above

The cutoffs come from section 12 of ClickPay’s current terms, last updated in December 2024. The settlement times come from ClickPay’s own resident FAQ. ClickPay’s site now calls itself “LOFT Payments by ClickPay”, but the timing rules are unchanged.

What a “business day” means

ClickPay’s terms define a business day as Monday to Friday, excluding Federal Reserve holidays. That is narrower than most people assume. Weekends never count, and nor do holidays that your employer may ignore, like Columbus Day and Veterans Day.

Federal Reserve holidays ahead (from the Federal Reserve’s own schedule):

Date	Holiday
Wed 11 Nov 2026	Veterans Day
Thu 26 Nov 2026	Thanksgiving
Fri 25 Dec 2026	Christmas
Fri 1 Jan 2027	New Year’s Day
Mon 18 Jan 2027	Martin Luther King Jr. Day
Mon 15 Feb 2027	Washington’s Birthday
Mon 31 May 2027	Memorial Day
Mon 5 Jul 2027	Independence Day (observed)
Mon 6 Sep 2027	Labor Day
Mon 11 Oct 2027	Columbus Day
Thu 11 Nov 2027	Veterans Day
Thu 25 Nov 2027	Thanksgiving

When a holiday falls on a Saturday — Juneteenth and Christmas in 2027 — the Federal Reserve stays open on the Friday before, so that Friday is a business day.

ClickPay’s help centre also says payments made after 3 pm on the day before a bank holiday may not process until the next business day. Treat the afternoon before a holiday as already too late.

Worked examples

Friday evening e-check. You pay at 9 pm Eastern on Friday — after the 7:59 pm Central cutoff. It is processed Monday and usually leaves your account Monday or Tuesday.

Rent due Monday the 1st. ClickPay’s terms require scheduling at least one business day before the due date, which is Friday. If you submit on Sunday, it processes Monday — the due date itself, with no margin.

Card payment on the 30th. The charge appears on your card at once, but settlement can take three to four business days. If your property counts payments when funds arrive rather than when submitted, that gap matters.

When your landlord sees it

This is the part ClickPay’s own pages say least about. ClickPay records your payment straight away, but your property manager’s ledger is a separate system. Balances move between them in uploads several times per billing cycle, not in real time — so your payment can show as completed in ClickPay for a day or more before your ledger reflects it.

Whether a payment counts as “on time” from the moment you submit or the moment it arrives is set by your lease or association rules, not ClickPay. If the rules are unclear, ask your property manager in writing and keep the answer.

Statuses in your payment history

• Pending or processing — accepted, waiting for a processing day or for the bank transfer to settle.
• Completed or settled — the money has moved.
• Returned — your bank sent it back, for example for insufficient funds. ClickPay never retries a returned payment; you must make a new one.
• Voided or cancelled — stopped before processing.

Is there a faster option?

Not really. We found no same-day or expedited option in ClickPay’s material.

• Phone payments are no faster and cost more: ClickPay’s help centre gives a fee of $6.95 to $9.95, and the automated line only handles full-balance payments for single-unit accounts.
• Cards have a later cutoff — 11:59 pm Central rather than 7:59 pm — so a card can beat the e-check deadline on the night before a due date. You will pay the card fee, and settlement still takes days.

Why the same payment can show three different dates

Residents are often confused because one payment carries several dates, each recorded by a different system:

• Submitted date — when you pressed Pay in ClickPay. This is on your confirmation email.
• Processed date — the business day ClickPay sends it to the bank. After the cutoff, on a weekend or on a holiday, this is the next business day.
• Debit date — when the money leaves your bank account, usually one to two business days after processing for an e-check.
• Posted date — when your property applies it to your ledger, which depends on its next balance upload.

If your property disputes whether you paid on time, the submitted date and confirmation number are your evidence. Screenshot the confirmation page the moment you pay — it is quicker than asking ClickPay to retrieve it later, and it shows the exact time.

How to never pay late through ClickPay

1. Pay two business days before the due date, not one. It absorbs a holiday you forgot.
2. Pay before 7 pm Central — earlier than the cutoff, in case a page is slow.
3. Check the Federal Reserve calendar above before month-end payments in November, December and January.
4. Use AutoPay one to three business days before the due date; our ClickPay AutoPay guide explains the amount options.
5. Keep the confirmation until the payment shows on your ledger.

If a payment has gone through on ClickPay’s side but your landlord says it hasn’t arrived, our guide to CLICKPAY PROPRTYPAY on your bank statement explains how to match it up, and ClickPay customer service explains who to call. We are independent of ClickPay and RealPage — see our disclaimer.