When you collect via EFT debit order, one of the choices you make is which service type to use. The two windows are two-day and same-day — and the right one depends on your cash flow needs and your customers.
Two-day EFT debit orders
With a two-day collection, the debit order is processed over a standard settlement window. It's the workhorse of recurring collections — predictable, widely used, and well-suited to regular monthly billing like subscriptions, memberships and instalments.
- Ideal for scheduled, recurring collections.
- Predictable processing aligned to a standard window.
- Well-suited to high volumes of routine billing.
Same-day EFT debit orders
Same-day collections are processed within the same business day, getting funds to you faster. This is useful when timing matters — for example, recovering a missed payment quickly, or collecting closer to the moment a customer is paid.
- Faster access to collected funds.
- Useful for time-sensitive or recovery collections.
- Helps align collection timing with customer pay dates.
In practice: many businesses use both — two-day for routine monthly runs, and same-day where speed or recovery matters. You don't have to choose just one.
Choosing the right window
Think about your cash flow, how predictable your billing is, and how time-sensitive each collection is. If you're unsure, the Linkserv team can help you set up the right mix of collection windows for how your business actually operates.