Standard processing settles in 2–3 business days. Next-day funding lets you receive yesterday's batch by 9 AM the next business day — meaningful for cash-flow-sensitive businesses. Some processors include it free (Square, Helcim, most bank-bundled programs); others charge $0.10 per transaction or a flat $10–$25/mo. Same-day funding (instant payouts) typically costs 1%–1.5% of the payout amount — useful in emergencies, expensive as a standard.
For most SMBs, next-day funding is a strong reason to choose one processor over another, especially for restaurants, contractors, and any business with thin margins on payroll cycles.