The minimum time it takes for a payee to receive your payment depends on the payee.
Some payees are able to accept electronic payments, but others require a paper check.
Depending on how the payments are delivered, the lead time can vary between 1 and 4 business days. To determine the current lead time for one of your payees, select Online Payees List from the Banking menu in Quicken 2000 or 2001, or Online Payees from the Lists menu in Quicken 98 and 99. Intuit automatically updates this list when there is a change in a payee's lead time. We suggest that you set the payment due date a few days before the actual due date. Weekends and bill-payers' holidays are not generally included in business days.