It usually exists for less than a minute! 1. First, determine whether T+ 1 has been received. T+ 1 is the next working day. If you spend money on Friday, it won't arrive on Saturday, and it won't arrive until next Monday. 2. Secondly, there is the issue of payment card banks. It is recommended to contact the issuing bank of the payment card for consultation first. 3. If you confirm that there is no problem with your payment card, it is recommended to consult the payment institution whether the payment failed. There are two kinds of arrival situations: one is to arrive immediately, and the other is to arrive before 4 pm on the next working day. Instant arrival means that you can arrive at the account in about five minutes after swiping the card, which is called instant arrival. So, can you guarantee the immediate arrival of the account after each swipe? This is definitely impossible, because sometimes there are many reasons: I didn't wait until the next day after swiping my card. In the past, machines always arrived the next day. Nowadays, machines can basically open instant accounts, but they need a series of operations such as authentication and verification. Of course, each payment institution may have different authentication steps. System problems have delayed the arrival of the account, so the account cannot be received immediately at this time. Problems in the banking system, sometimes the system problems of the payment company, lead to the failure of the account to arrive at the account immediately, so the banking system may also be delayed, and it is also impossible to arrive at the account.