# How long does SC redemption processing take?

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Source: https://support.modo.us/en_us/how-long-does-sc-redemption-processing-take-HJqtAiElzg

Last updated: 2026-09-14T15:47:45.622Z

Redemption processing times depend on a few factors! 

*   Trustly instant redemptions process within minutes for a 3% fee 
*   Gift card redemptions are often instant, unless there is a pending verification or security review 
*   Standard bank ACH or debit card redemptions (with no fee) are processed by Modo within 24 hours - from there processing time depends on your bank, which can take up to 5 business days. 

Most redemptions are processed by Modo within 24 hours, but timing can vary depending on the redemption method, verification status, bank processing, holidays, or whether an additional security review is needed

  

## **How do I check my redemption status?**

Head over to [My Profile > Settings > Redemption History](https://modo.us/my-profile?section=redemption-history) to see the status of all redemptions submitted within the past 100 days. 

Redemption status definitions:

*   **Processing or Under Review:** Under review by Modo - typically completed within 24 hours. 
*   **Scheduled:** Your redemption is confirmed and will go out with the next available batch, which typically sends at 5 PM ET. If it was submitted close to 4 PM ET, it may have just missed that day's cutoff and will go out with the next batch instead. Processing may take a bit longer around holidays and weekends.
*   **Settled or Sent:** Modo has released your redemption to your bank or card provider. It's now in their hands for processing, which can take up to 5 business days to complete for a standard (non-instant) transfer.

  

## **My redemption is marked 'Settled' but I don't see the money yet  - what should I do?**

For regular (non-Trustly Instant) redemptions, it can take up to 5 business days from the time it was marked "Settled" or "Sent" for your bank to complete the deposit. 

If it's been longer than 5 business days, check with your bank first, since Modo has already sent the funds on our end.