> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.mercoa.com/embedded-ap-ar/api-reference/calculate/payment-timing/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mercoa.com/_mcp/server.

# Calculate payment timing

POST https://api.mercoa.com/paymentTiming
Content-Type: application/json

Calculate the estimated payment timing given the deduction date, payment source, and disbursement method. Can be used to calculate timing for a payment.

Reference: https://docs.mercoa.com/embedded-ap-ar/api-reference/calculate/payment-timing

## Authentication

- `Authorization` header (bearer token, required) — Bearer authentication of the form `Bearer <token>`, where token is your auth token.

## Request

### Body (application/json)

This endpoint expects an object or object.

- `object or object`
  - Estimated Timing
    - `paymentSourceId` (string, required) — ID of payment source.
    - `paymentDestinationId` (string, required) — ID of payment destination.
    - `estimatedDeductionDate` (datetime, optional) — Date the payment is scheduled to be deducted from the payer's account. Use this field if the payment has not yet been deducted.
    - `processedAt` (datetime, optional) — Date the payment was processed. Use this field if the payment has already been deducted.
    - `paymentDestinationOptions` (object, optional) — Options for the payment destination. Depending on the payment destination, this may include things such as check delivery method.
      - `type`: `check`
        - `delivery` (enum, optional) — Delivery method for check disbursements. Defaults to MAIL.
          - Allowed values: `PRINT`, `MAIL`, `MAIL_PRIORITY`, `MAIL_UPS_NEXT_DAY`
        - `printDescription` (boolean, optional) — If true, prints the invoice description (noteToSelf) on the check note. Defaults to false.
      - `type`: `bankAccount`
        - `delivery` (enum, optional) — Delivery method for ACH payments. Defaults to ACH_SAME_DAY.
          - Allowed values: `ACH_STANDARD`, `ACH_SAME_DAY`, `ACH_ACCELERATED`
        - `description` (string, optional) — ACH Statement Description. By default, this will be 'AP' followed by the first 8 characters of the invoice ID (for a single invoice) or the first 8 characters of the transaction ID (for a batch payment). Must be at least 4 characters and no more than 10 characters, and follow this regex pattern `^[a-zA-Z0-9\-#.$&* ]{4,10}$`
      - `type`: `utility`
        - `accountId` (string, required) — The ID for the utility account to pay with. Links to accounts listed on payor/payee relationship.
      - `type`: `custom`
        - `dynamicUrls` (map from string to string, optional) — Map of field names to dynamic URL values that will be used for dynamicUrl fields in custom payment method schemas
  - Invoice Timing
    - `invoiceId` (string, required)

## Response

### 200

- `estimatedProcessingDate` (datetime, required) — Estimated date the payment will be or was processed.
- `businessDays` (integer, required) — Number of business days between the estimated processing date and the estimated settlement date. This does not take into account bank holidays or weekends.
- `estimatedProcessingTime` (integer, required) — Estimated payment time in days. This time takes into account bank holidays and weekends.
- `estimatedSettlementDate` (datetime, required) — Estimated date the payment will be or was settled. This is the same as the request's deductionDate plus the paymentTiming.

## Errors

### 400 Bad Request

- `errorName` ("BadRequest", required)
- `content` (string, required)

### 401 Unauthorized

- `errorName` ("Unauthorized", required)
- `content` (string, required)

### 403 Forbidden

- `errorName` ("Forbidden", required)
- `content` (string, required)

### 404 Not Found

- `errorName` ("NotFound", required)
- `content` (string, required)

### 409 Conflict

- `errorName` ("Conflict", required)
- `content` (string, required)

### 500 Internal Server Error

- `errorName` ("InternalServerError", required)
- `content` (string, required)

### 501 Unimplemented

- `errorName` ("Unimplemented", required)
- `content` (string, required)

## Examples

### Estimated Timing

**Request**

```json
{
  "estimatedDeductionDate": "2024-01-02T00:00:00Z",
  "paymentSourceId": "pm_4794d597-70dc-4fec-b6ec-c5988e759769",
  "paymentDestinationId": "pm_4794d597-70dc-4fec-b6ec-c5988e759769"
}
```

**Response**

```json
{
  "estimatedProcessingDate": "2024-01-02T00:00:00Z",
  "businessDays": 3,
  "estimatedProcessingTime": 3,
  "estimatedSettlementDate": "2024-01-05T00:00:00Z"
}
```

**SDK Code**

```python Estimated Timing
import requests

url = "https://api.mercoa.com/paymentTiming"

payload = {
    "estimatedDeductionDate": "2024-01-02T00:00:00Z",
    "paymentSourceId": "pm_4794d597-70dc-4fec-b6ec-c5988e759769",
    "paymentDestinationId": "pm_4794d597-70dc-4fec-b6ec-c5988e759769"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```typescript Estimated Timing
import { MercoaClient } from "@mercoa/javascript";

const client = new MercoaClient({ token: "YOUR_TOKEN" });
await client.calculate.paymentTiming({
    estimatedDeductionDate: new Date("2024-01-02T00:00:00.000Z"),
    paymentSourceId: "pm_4794d597-70dc-4fec-b6ec-c5988e759769",
    paymentDestinationId: "pm_4794d597-70dc-4fec-b6ec-c5988e759769"
});

```

```go Estimated Timing
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.mercoa.com/paymentTiming"

	payload := strings.NewReader("{\n  \"estimatedDeductionDate\": \"2024-01-02T00:00:00Z\",\n  \"paymentSourceId\": \"pm_4794d597-70dc-4fec-b6ec-c5988e759769\",\n  \"paymentDestinationId\": \"pm_4794d597-70dc-4fec-b6ec-c5988e759769\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Estimated Timing
require 'uri'
require 'net/http'

url = URI("https://api.mercoa.com/paymentTiming")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"estimatedDeductionDate\": \"2024-01-02T00:00:00Z\",\n  \"paymentSourceId\": \"pm_4794d597-70dc-4fec-b6ec-c5988e759769\",\n  \"paymentDestinationId\": \"pm_4794d597-70dc-4fec-b6ec-c5988e759769\"\n}"

response = http.request(request)
puts response.read_body
```

```java Estimated Timing
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.mercoa.com/paymentTiming")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"estimatedDeductionDate\": \"2024-01-02T00:00:00Z\",\n  \"paymentSourceId\": \"pm_4794d597-70dc-4fec-b6ec-c5988e759769\",\n  \"paymentDestinationId\": \"pm_4794d597-70dc-4fec-b6ec-c5988e759769\"\n}")
  .asString();
```

```php Estimated Timing
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.mercoa.com/paymentTiming', [
  'body' => '{
  "estimatedDeductionDate": "2024-01-02T00:00:00Z",
  "paymentSourceId": "pm_4794d597-70dc-4fec-b6ec-c5988e759769",
  "paymentDestinationId": "pm_4794d597-70dc-4fec-b6ec-c5988e759769"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Estimated Timing
using RestSharp;

var client = new RestClient("https://api.mercoa.com/paymentTiming");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"estimatedDeductionDate\": \"2024-01-02T00:00:00Z\",\n  \"paymentSourceId\": \"pm_4794d597-70dc-4fec-b6ec-c5988e759769\",\n  \"paymentDestinationId\": \"pm_4794d597-70dc-4fec-b6ec-c5988e759769\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Estimated Timing
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "estimatedDeductionDate": "2024-01-02T00:00:00Z",
  "paymentSourceId": "pm_4794d597-70dc-4fec-b6ec-c5988e759769",
  "paymentDestinationId": "pm_4794d597-70dc-4fec-b6ec-c5988e759769"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.mercoa.com/paymentTiming")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Invoice Timing

**Request**

```json
{
  "invoiceId": "in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9"
}
```

**Response**

```json
{
  "estimatedProcessingDate": "2024-01-02T00:00:00Z",
  "businessDays": 3,
  "estimatedProcessingTime": 3,
  "estimatedSettlementDate": "2024-01-05T00:00:00Z"
}
```

**SDK Code**

```python Invoice Timing
import requests

url = "https://api.mercoa.com/paymentTiming"

payload = { "invoiceId": "in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9" }
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```typescript Invoice Timing
import { MercoaClient } from "@mercoa/javascript";

const client = new MercoaClient({ token: "YOUR_TOKEN" });
await client.calculate.paymentTiming({
    invoiceId: "in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9"
});

```

```go Invoice Timing
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.mercoa.com/paymentTiming"

	payload := strings.NewReader("{\n  \"invoiceId\": \"in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Invoice Timing
require 'uri'
require 'net/http'

url = URI("https://api.mercoa.com/paymentTiming")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"invoiceId\": \"in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9\"\n}"

response = http.request(request)
puts response.read_body
```

```java Invoice Timing
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.mercoa.com/paymentTiming")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"invoiceId\": \"in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9\"\n}")
  .asString();
```

```php Invoice Timing
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.mercoa.com/paymentTiming', [
  'body' => '{
  "invoiceId": "in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Invoice Timing
using RestSharp;

var client = new RestClient("https://api.mercoa.com/paymentTiming");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"invoiceId\": \"in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Invoice Timing
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = ["invoiceId": "in_26e7b5d3-a739-4b23-9ad9-6aaa085f47a9"] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.mercoa.com/paymentTiming")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```