In the case of Substack, payments usually reach you within 48 hours of each transaction. However, Substack uses Stripe to pay you, so it’s worth noting you won’t receive your first-ever pay-out for 7-14 days.  For Patreon creators, it’s slightly different. Patreon completes its payment processing on the 1st of every month. It recommends you wait until the 5th of each month to access your payment so that any patrons who have had payments declined can retry to pay you. In addition, when you withdraw your balance, it takes 1-3 business days to reach your bank or PayPal account.