Payment processing times

If a payment was confirmed by the bank, this table shows how many working days it is expected to take to arrive in your Connect account.  For non-instant schemes, this does not include weekends and public holidays.  The maximum time indicates the point after which we’ll assume the payment is not going to be received. 

Payment scheme Location Instant Expected  Maximum
Faster Payments Scheme (FPS) UK Yes Same day 1 day
SEPA Credit Transfer  Within country No Next day 8 days
SEPA Credit Transfer Within SEPA zone No Next day 8 days
SEPA Instant  Within country Yes Same day 1 day
SEPA Instant Within SEPA zone Yes Same day 1 day
SWIFT Worldwide No 1 – 3 days 8 days
CHAPS UK No Same day 3 days
ELIXIR Poland No 1 – 2 days 2 days
BACS UK No 3 days 5 days
NICS Norway No 1 day 1 day
RIX Sweden No 1 day 1 day


If the payment is not received within the maximum timeframe above, we’ll change the payment status to NOT_RECEIVED and send the following notification to your notifications endpoint.

Notification header

POST /payment_notification_url HTTP/1.1
Content-Type: application/json
User-Agent: Volt/2.0
X-Volt-Timed: 20200131123456
X-Volt-Signed: eda5e46baa6a676851975365e12b4ae61ee48442c0cbb8d0e3c3cfd47c3e1085
X-Volt-Type: payment_not_received

Notification body


Notification fields

  • payment is Volt’s internal ID for the payment, as returned in your initial payment request
  • reference is the reference you specified for the payment
  • amount is the amount of the payment, as always in minor units of currency (pence, cents) rather than pounds, euros or dollars
  • status is the status of the payment
  • currency is the currency of the payment
  • timestamp is when the notification was generated

Testing on sandbox

Test what happens when a payment is not received into a Connect account, without having to wait, by using our sandbox environment.

Simply request a payment for any currency that you have a Connect account setup, with an amount of exactly 2050 and process it via one of our mock banks.

Example payment request
  "currencyCode": "GBP",
  "amount": 2050,
  "type": "OTHER",
  "uniqueReference": "test54321",
  "payer": {
    "reference": "u59kt9yh",
    "email": "",
    "name": "John Smith",
    "ip": ""
Expected result

You should receive a NOT_RECEIVED notification as detailed above and the payment should be visible in Fuzebox.