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[Music] with pay advantage you can let your customers choose to make payments with their credit or debit card set up direct debit payments from the bank account or by using be pay depending on which of these methods your customer chooses it can sometimes take a few days before payments are available to be sent to your account when a payment is made by credit or debit cards there is an almost immediate response from the bank as to whether the transaction is approved or declined if the transaction is approved it becomes ready for settlement and is sent to your account on the next available business day direct debit payments are different from card payments there isnt always an immediate response from your customers bank telling you if the transaction was successful in some cases banks can decline the transaction up to three business days after the payment was processed as money travels from the customer to your bank account the transaction is given a series of statuses a successful tra