ACH transfers take up to 5 business days to get a success or failure message. Payments created on or after 22:00 UTC are processed on the next business day. A pending balance transaction is created reflecting the payment amount minus the fee. Successful ACH transfers are reflected in your Stripe available balance after 7 business days, at which point the funds are available for automatic or manual transfer to your bank account. Your clients see the payment reflected on their bank statement 1-2 days after creating the charge.