Funding for the Synchrony Flex credit card program is a two-step process. First, Synchrony will authorize the financed transaction. Then, after you ship and complete the transaction in your eCommerce platform, you will receive funding within two business days. The funds will deposit in the bank account you used when you enrolled with Synchrony. Funding is based on the total transaction amount less the merchant fee set for your program.
Funding for Pay In 4 and Pay Later loans are based on when the consumer accepts the terms and conditions. This starts the funding process. When you ship the merchandise has no impact on the funding.