--- title: FAQ - Understanding Zego Payment Timeline description: "Once a payment is submitted, it moves through a few secure stages before it is fully finalized. Here is the step-by-step journey of your payment:\n\n 1. Payment Initiation (Smartwebs) The process begins when a payment is scheduled or submitted as a one-time payment through the Smartwebs portal.\n 2. Funds Transferred (Zego) Our payment processor, Zego, handles the secure transfer of funds. Once they have sent the funds to the bank, the transaction status will update to \"Paid Out.\" This indicates the money is officially on its way to the financial institution.\n 3. Bank Processing & Settlement After the funds are sent, the bank begins its internal verification. It typically takes 24–48 business hours for the bank to process and settle the payment into the account. Please note that banks do not process payments on weekends or holidays.\n 4. Final Posting (Smartwebs) Once the bank confirms the funds have cleared, the payment is officially \"Settled.\" At this stage, the transaction is finalized and will be reflected as a completed payment in your Smartwebs history.\n\n\n\nExample Payment Timeline:\n\n * 1/13/2026: Payment submitted via Smartwebs\n * 1/16/2026: Payment processed and sent by Zego\n * 1/19/2026: Funds appear as \"Pending\" in bank account\n * 1/20/2026: Funds fully cleared in bank and posted in Smartwebs" --- [Skip to content](https://solutions.smartwebs.com/en-us/smartwebs-solutions/faq-understanding-zego-payment-timeline#main-content) English - United States Show submenu for translations ![Logo-FullColor HOA management Platform-1](https://solutions.smartwebs.com/hubfs/Logo-FullColor%20HOA%20management%20Platform-1.svg) - [Smartwebs Solutions Home](https://solutions.smartwebs.com/) - [Contact Us](https://share.hsforms.com/2VBrljHAiSeCkcUy_-IEe_Aq0yoc) - [Manage Tickets](https://support.smartwebs.com/tickets-view) Open main navigation Close main navigation - [Smartwebs Solutions Home](https://solutions.smartwebs.com/) - [Contact Us](https://share.hsforms.com/2VBrljHAiSeCkcUy_-IEe_Aq0yoc) - [Manage Tickets](https://support.smartwebs.com/tickets-view) - English - United States Show submenu for translations - [Contact Us](https://share.hsforms.com/2VBrljHAiSeCkcUy_-IEe_Aq0yoc) [Contact Us](https://share.hsforms.com/2VBrljHAiSeCkcUy_-IEe_Aq0yoc) How can we help you? - There are no suggestions because the search field is empty. 1. 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This indicates the money is officially on its way to the financial institution. 3. **Bank Processing & Settlement** After the funds are sent, the bank begins its internal verification. It typically takes 24–48 *business* hours for the bank to process and settle the payment into the account. *Please note that banks do not process payments on weekends or holidays.* 4. **Final Posting (Smartwebs)** Once the bank confirms the funds have cleared, the payment is officially "Settled." At this stage, the transaction is finalized and will be reflected as a completed payment in your Smartwebs history. **Example Payment Timeline:** - 1/13/2026: Payment submitted via Smartwebs - 1/16/2026: Payment processed and sent by Zego - 1/19/2026: Funds appear as "Pending" in bank account - 1/20/2026: Funds fully cleared in bank and posted in Smartwebs   - [Accounting](https://solutions.smartwebs.com/en-us/smartwebs-solutions/accounting?hsLang=en-us#main-content) - [1099's](https://solutions.smartwebs.com/en-us/smartwebs-solutions/accounting?hsLang=en-us#1099s) - [General](https://solutions.smartwebs.com/en-us/smartwebs-solutions/accounting?hsLang=en-us#general) - [General Ledger](https://solutions.smartwebs.com/en-us/smartwebs-solutions/accounting?hsLang=en-us#general-ledger) - [Receivables](https://solutions.smartwebs.com/en-us/smartwebs-solutions/accounting?hsLang=en-us#receivables) - [Payables](https://solutions.smartwebs.com/en-us/smartwebs-solutions/accounting?hsLang=en-us#payables) - 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