A customer paid by card. Your bank balance has not moved. Nothing is wrong, and this page explains the gap so you can plan cash flow instead of worrying about it.
Money moves in two hops: customer to your Stripe account, then Stripe to your bank. Each hop has its own timing.
1 Available versus pending
Your balance is shown in two parts:
- Available is money that has cleared and is ready to be paid out to your bank.
- Pending is money that has not cleared yet. ClippingCash states the normal wait plainly: pending balance includes funds that have not cleared yet, typically 2 to 7 business days for card payments.
The available figure can also be broken down by where it came from, with separate lines for Card payments and Bank transfers, which is useful when you take both.
Pending is not “at risk”. It is normal card settlement. A payment taken Friday afternoon on a holiday weekend is going to look stuck until the middle of the next week, and that is just how card networks work.
2 Payouts to your bank
Separately from clearing, Stripe sends your available balance to your bank as a payout. The payout list shows each one with its arrival date and a status:
| Status | What it means |
|---|---|
| Pending | Created, not yet sent |
| In Transit | On its way to your bank |
| Paid | Landed in your bank |
| Canceled | Stopped before sending |
| Failed | Could not be delivered |
Failed is the one to act on immediately. It nearly always means the bank details on your Stripe account are wrong or the account has been closed. Fix it in your Stripe dashboard, because ClippingCash cannot fix a bank detail problem for you.
In Transit needs no action. Wait for the arrival date.
3 Doing the arithmetic
For a card payment taken today, expect roughly:
- Today: the payment shows as Pending in your balance.
- 2 to 7 business days: it moves to Available.
- Next payout run: it leaves as a payout, status In Transit.
- On the arrival date: Paid, and it is in your bank.
So the honest answer to “when do I get the money” is usually within a week, sometimes a bit longer over holidays. That is still substantially faster than waiting on a cheque, which was the point of taking cards.
4 Where to look when a customer says they paid
Check in this order, because each step rules out a different thing:
- The invoice in ClippingCash. Does it show a payment against it? If yes, it worked, and the rest is just timing.
- The customer’s ledger in Transactions. Look for the payment row, and check whether the balance shows CR, which would mean they have overpaid.
- Your balance, to see whether it is sitting in pending.
- Your Stripe dashboard, which is the system of record if the first three disagree.
Most “my payment did not arrive” conversations end at step one, because the payment is there and the customer is asking about your bank timing rather than theirs.
Tips are not yours
One thing to keep separate: tips collected through ClippingCash show as their own ledger rows and are tracked under Tips (owe workers). That money passes through your balance but it belongs to the crew member who earned it. Do not treat it as available working capital.