[AmericanChopper]

I don’t know about every jurisdiction, but every place that I’ve ever been involved with payment terminals, the money clears to the merchant account in a couple of business days. So your weekend’s takings would usually be cleared by Tuesday. I can’t imagine any retail or hospitality business would be able to extend a 90 day line of credit to their payment processor on all payment card revenue.

I think the main reason this never happens is because there’s a lot of easier and more profitable scams you can operate as a fraud-oriented merchant.

[hnaccount_rng]

I would expect there to be a difference between a first time and a repeat thing. If you do out-of-normal-operation things, the bank will treat you more suspiciously, if you do your normal business, it can release your money immediately

[AmericanChopper]

Payments settle at whatever the interbank settlement timeframes are. Any type of payment escrow would be incredibly out of the ordinary.