At the start of a new statement cycle, your repayment for the previous cycle is automatically initiated. Once it settles, your available balance should replenish.
If your available balance hasn't replenished yet, it doesn't necessarily mean something went wrong - your repayment may still be processing. Below are the most common reasons this can happen, and what you can do next.
Pending repayment
Insufficient balance in the connected repayment account
Debit block or debit filter in the connected repayment account
Pending repayment
If a new statement cycle has just started, your repayment for the previous statement cycle may still be pending.
Repayments typically take 3-5 business days to settle and reflect in your available balance. This is normal, and we cannot expedite settlement.
If you have urgent payments to make in the meantime, please check the remedies to low available balance.
Insufficient balance in the connected repayment account
Your repayment may not have gone through because there wasn't enough money in your company bank account used for repayments.
If your repayment account balance is lower than the statement amount, we won't be able to collect the repayment, and your available balance won't replenish until the repayment is successfully taken.
What you can do:
- Add funds to your repayment account
- Switch the repayment account you use with Cledara
If you add funds to your repayment account
If you add money to your account, please email us at support@cledara.com once it's done. We will try to collect the repayment, which will replenish your available balance 3-5 business days later.
If you switch the repayment account you use with Cledara
If you'd like to change the account you use for repayments, go to Repayments > Accounts. From there, you can connect a new account using Plaid, just like you did with the first account:
Once the second account is added, you will see a button that says Make repayments account. Click this to set it as the account used for your next repayment.
For more information on this process, check our guide to connect a new bank account.
After you've updated the account, please email support@cledara.com. We will try to collect the repayment, which will replenish your available balance 3-5 business days later.
Debit block or debit filter in the connected repayment account
Your bank may have a debit block or debit filter in place, especially if:
- This is the first repayment for your workspace
- You've recently switched to a new bank account for repayments
- Your statement amount is higher than usual, and your bank requires approval for larger debits
Please contact your bank and ask whether there is any block on ACH transactions from Cledara, or whether you need to explicitly authorize Cledara to collect repayments via direct debit. If required, you may need to whitelist our Cledara Originator ID: 101115315.
Once that's done, please email support@cledara.com with a letter on your company letterhead, signed by a company representative, confirming that you have whitelisted Cledara and authorize us to collect repayments.
After the whitelist confirmation is processed, we will try to collect the repayment, which will replenish your available balance 3-5 business days later.