I made a bill payment in my SoFi Checking account and the payee has not received it yet.

Depending on the payee, bill payments will either be made electronically or by a physical, mailed check.

Note: The method used is shown in your transaction history as "Delivery method".

Electronic payments areusually processedwithin 2 business days. Although some billers may not show the payment immediately, once they do, it should be credited as of the delivery date.

The physical check(s) sent for bill payments are withdrawn from your account 5 business days prior to the due date to assist with delivery on time. All physical checks are sent via USPS First-Class Mail, which offers delivery in 1-5 business days but is not guaranteed.

Please note that physical checks may be delayed due to longer shipping times by USPS. 

We recommend scheduling your physical check payments to be delivered at least 5 business days prior to the actual payment due date on the bill.

Scheduling your payments sufficiently in advance of the due date allows enough time for the biller to receive the payment and credit it to your account.