The number of days before the payment due date is called "lead time." Lead time covers the time required for the merchant/payee to receive and post the payment (assuming the merchant/payee address and account number are correct). This does not guarantee when the merchant/payee will post the payment.
The day that the payment was processed is not included in the lead time. Lead time should be used with discretion, since only user experience with the merchant/payee will determine the number of days the user should allow for actual posting of the payment.
Customer selects a "Send On" date. The smart calendar will display our calculated "Deliver By" date. This date is dependent on whether the payee is paid electronically or by check. We recommend that customers allow 3-5 business days for check delivery from the "Send-On" date to allow the payee to process their check payment.