> For the complete documentation index, see [llms.txt](https://support.paycargo.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.paycargo.com/payments-and-finance/application-and-remittance/cutoff-times.md).

# What is the cutoff time to process a payment?

### <mark style="color:$primary;">Overview</mark>

PayCargo allows users to approve invoice payments 24/7, giving Payers the flexibility to manage transactions at any time. While approvals can occur at any hour, there is a daily 6:00 PM EST cutoff to ensure payments are processed efficiently and cargo is released without delay.

### <mark style="color:$primary;">How it Works</mark>

* **Approval availability:** 24 hours a day, 7 days a week.
* **Processing schedule:** By **6:00 PM EST**, Monday through Friday.
* **Exclusions:** Payments are [**not processed on Bank Holidays**](/payments-and-finance/application-and-remittance/holidays-and-weekend-payments.md).
* **After hours:** Payments approved after 6:00 PM EST or on non-processing days will be processed on the next business day.

### <mark style="color:$primary;">Related Questions</mark>

<details>

<summary>Can I approve a payment after 6:00 PM EST?</summary>

Yes. Payments can be approved at any time, but if the approval happens after the 6:00 PM EST cutoff, it will be processed on the next business day.

</details>

<details>

<summary>How does the cutoff affect cargo release?</summary>

If a payment is approved before 6:00 PM EST on a business day, it will be processed the same day, allowing for timely cargo release. Approvals after the cutoff will be processed the next business day, which may delay release, depending also on vendor set-up.&#x20;

</details>

<details>

<summary>What time zone does PayCargo use for processing?</summary>

All cutoff times are based on **Eastern Standard Time (EST)**.

</details>

<details>

<summary>Where can I check the status of my payment?</summary>

You can view the real-time status of your payments by logging in to your **PayCargo Dashboard**

</details>


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