What are the timeframes associated with cap computations by the service?
Process Day – cap computations will begin to accumulate at the beginning of the business day (3:01 a.m. ET) and will reset to zero at the beginning of the next process day. Multiple Exposure Days – cap computations take into account the current processing day totals as well as the previous two processing days of credit and previous three processing days of debits. Multiple exposure day monitoring helps to proactively monitor for things like ACH kiting schemes and return risk for debit payments.
