Support Home Back Office/Accounting Bill Pay (Payrailz)- How long does the payment take to move through the various stages of the process before it reaches the recipient? Bill Pay (Payrailz)- How long does the payment take to move through the various stages of the process before it reaches the recipient? One (1) business day for electronic payments Immediately (or within minutes) for payments being credited to a debit card Typically, five (5) to seven (7) calendar days for check payments Related Questions: What is the Difference between Disputes and Fraud? What is our Federal Tax ID Number? Can automatic deposits or withdrawals be set up on secondary savings accounts? Was this article helpful? Yes / No