The time of arrival varies depending on the channel used. InstaPay offers guaranteed real-time arrival, while PESONet does not. The specific arrival times are as follows:

1. For max. ₱50,000 under normal circumstances, InstaPay supports real-time arrival.

2. For an amount more than ₱50,000, PESONet does not support real-time arrival:

a. Transactions made on a business day before 9 AM are estimated to arrive by noon on the same day.

b. Transactions made on a business day between 9 AM and 3 PM are estimated to arrive before 6 PM on the same day.

c. Transactions made on a business day after 3 PM are estimated to arrive by noon on the next business day.

d. Transactions on non-business days are expected to arrive by noon on the next business day.