> ## Documentation Index > Fetch the complete documentation index at: https://developer.finogates.com/llms.txt > Use this file to discover all available pages before exploring further. # Get Payment Delivery Windows > The delivery timing for one movement at one speed, computed for a payment created **now** — the same estimate `request-payload` freezes on a reference, without issuing one. Use it to show today's cutoffs, or whether a same-day payment made now still goes out today. - `cutoffs` are the export windows on the day the next submission goes out (`next_cutoff.export_day`), earliest first. `open` is true while a payment created now still makes that window; `lands_at` is filled where the terms say when money submitted in that window lands (same-day windows do). - `next_cutoff` is the window a payment created now goes out in. `deferred` means it had to wait for a later day — created after the last cutoff, or on a weekend or bank holiday; a same-day payment created now would be queued until `resume_at` and you would be told so on the payment. - `settlement` is when the money is expected to land, as on the reference. `source: unknown` means no terms are declared for this route yet — the time is unknown, not instant. Wall-clock times (`HH:MM`) are US Eastern, the zone banking windows are published in; every `*_at` is a UTC instant. Pass the same `source_type`, `destination_type`, `delivery_speed` and corridor fields you will send on `request-payload`, and the `amount` when you have it — the route, and so its windows, can depend on it (`100.00` is assumed otherwise). A movement or speed that cannot be requested is refused exactly as `request-payload` refuses it. Nothing here is a promise: the estimate is recomputed the moment the payment is submitted, and the payment's own events carry the times that apply. ## OpenAPI ````yaml GET /v1/platform/payments/delivery-windows openapi: 3.1.0 info: title: Finogate Platform API v1 version: 0.1.0 servers: - url: https://api-sandbox.finogates.com description: Sandbox - url: https://api.finogates.com description: Production security: [] tags: - name: auth - name: users - name: payees - name: verification - name: bank accounts - name: card processing - name: digital-assets - name: international - name: fees - name: onboarding - name: Redirect URLs - name: pending-applications - name: wallets - name: payments - name: document mailing - name: merchant onboarding - name: catalog - name: webhooks - name: screening - name: Platform - File Scanning - name: phone-numbers - name: sms - name: calls - name: listings - name: Card Transfers - name: Accounting - name: embed-tokens paths: /v1/platform/payments/delivery-windows: get: tags: - payments summary: When a payment made now goes out, and lands description: >- The delivery timing for one movement at one speed, computed for a payment created **now** — the same estimate `request-payload` freezes on a reference, without issuing one. Use it to show today's cutoffs, or whether a same-day payment made now still goes out today. - `cutoffs` are the export windows on the day the next submission goes out (`next_cutoff.export_day`), earliest first. `open` is true while a payment created now still makes that window; `lands_at` is filled where the terms say when money submitted in that window lands (same-day windows do). - `next_cutoff` is the window a payment created now goes out in. `deferred` means it had to wait for a later day — created after the last cutoff, or on a weekend or bank holiday; a same-day payment created now would be queued until `resume_at` and you would be told so on the payment. - `settlement` is when the money is expected to land, as on the reference. `source: unknown` means no terms are declared for this route yet — the time is unknown, not instant. Wall-clock times (`HH:MM`) are US Eastern, the zone banking windows are published in; every `*_at` is a UTC instant. Pass the same `source_type`, `destination_type`, `delivery_speed` and corridor fields you will send on `request-payload`, and the `amount` when you have it — the route, and so its windows, can depend on it (`100.00` is assumed otherwise). A movement or speed that cannot be requested is refused exactly as `request-payload` refuses it. Nothing here is a promise: the estimate is recomputed the moment the payment is submitted, and the payment's own events carry the times that apply. operationId: read_delivery_windows_v1_platform_payments_delivery_windows_get parameters: - name: source_type in: query required: true schema: type: string maxLength: 40 description: As on `request-payload`. examples: - bank title: Source Type description: As on `request-payload`. - name: destination_type in: query required: true schema: type: string maxLength: 40 description: As on `request-payload`. examples: - wallet title: Destination Type description: As on `request-payload`. - name: delivery_speed in: query required: false schema: enum: - standard - same_day - instant type: string description: The speed to time. Defaults to `standard`. default: standard title: Delivery Speed description: The speed to time. Defaults to `standard`. - name: amount in: query required: false schema: anyOf: - type: number exclusiveMinimum: 0 - type: string pattern: ^(?!^[-+.]*$)[+-]?0*\d*\.?\d*$ - type: 'null' description: >- The amount you intend to move, in major units. Optional; `100.00` is assumed. examples: - 250 title: Amount description: >- The amount you intend to move, in major units. Optional; `100.00` is assumed. - name: currency in: query required: false schema: type: string minLength: 3 maxLength: 3 description: ISO-4217 code. Defaults to `USD`. default: USD title: Currency description: ISO-4217 code. Defaults to `USD`. - name: destination_country in: query required: false schema: anyOf: - type: string maxLength: 2 minLength: 2 - type: 'null' description: Required for `bank_international`; ignored otherwise. title: Destination Country description: Required for `bank_international`; ignored otherwise. - name: destination_currency in: query required: false schema: anyOf: - type: string maxLength: 3 minLength: 3 - type: 'null' description: Required for `bank_international`; ignored otherwise. title: Destination Currency description: Required for `bank_international`; ignored otherwise. responses: '200': description: Delivery windows content: application/json: schema: $ref: '#/components/schemas/CommonResponse' example: status_code: 200 data: source_type: bank destination_type: wallet delivery_speed: same_day delivery_speeds_available: - standard - same_day timezone: America/New_York now: '2026-09-18T15:20:00Z' today: '2026-09-18' is_banking_day: true next_banking_day: '2026-09-21' basis: business cutoffs: - cutoff: '10:00' cutoff_at: '2026-09-18T14:00:00Z' open: false lands_at: '2026-09-18T17:00:00Z' - cutoff: '14:00' cutoff_at: '2026-09-18T18:00:00Z' open: true lands_at: '2026-09-18T21:00:00Z' - cutoff: '16:00' cutoff_at: '2026-09-18T20:00:00Z' open: true lands_at: '2026-09-18T22:30:00Z' next_cutoff: export_day: '2026-09-18' cutoff: '14:00' cutoff_at: '2026-09-18T18:00:00Z' deferred: false settlement: speed: same_day source: terms basis: business estimated_at: '2026-09-18T21:00:00Z' latest_at: '2026-09-18T21:00:00Z' query_generated_time: 1712847600000 '403': description: product_not_enabled content: application/json: examples: product_not_enabled: summary: product_not_enabled (error_code 1105) value: status_code: 403 data: detail: >- The product this payment needs is not enabled for your platform. code: product_not_enabled error_code: 1105 query_generated_time: 1750000000000 schema: $ref: '#/components/schemas/CodedErrorResponse' '422': description: >- movement_unsupported, speed_not_offered, destination_country_required, destination_currency_required, payment_not_available content: application/json: examples: movement_unsupported: summary: movement_unsupported (error_code 1102) value: status_code: 422 data: detail: >- This combination of source_type and destination_type is not available on this endpoint. code: movement_unsupported error_code: 1102 query_generated_time: 1750000000000 speed_not_offered: summary: speed_not_offered (error_code 1116) value: status_code: 422 data: detail: >- This payment cannot be delivered at the requested speed. Request it at standard speed, or a speed the movement offers. code: speed_not_offered error_code: 1116 query_generated_time: 1750000000000 destination_country_required: summary: destination_country_required (error_code 1103) value: status_code: 422 data: detail: >- destination_country is required when destination_type is bank_international. code: destination_country_required error_code: 1103 query_generated_time: 1750000000000 destination_currency_required: summary: destination_currency_required (error_code 1104) value: status_code: 422 data: detail: >- destination_currency is required when destination_type is bank_international. code: destination_currency_required error_code: 1104 query_generated_time: 1750000000000 payment_not_available: summary: payment_not_available (error_code 1106) value: status_code: 422 data: detail: >- This payment cannot be carried right now. Check the amount and currency, or try again later. code: payment_not_available error_code: 1106 query_generated_time: 1750000000000 schema: $ref: '#/components/schemas/CodedErrorResponse' '503': description: payment_request_unavailable content: application/json: examples: payment_request_unavailable: summary: payment_request_unavailable (error_code 1107) value: status_code: 503 data: detail: >- A payment request cannot be prepared for this movement at the moment. Please try again later or contact support. code: payment_request_unavailable error_code: 1107 query_generated_time: 1750000000000 schema: $ref: '#/components/schemas/CodedErrorResponse' security: - _AuthenticatedBearer: [] components: schemas: CommonResponse: properties: status_code: type: integer title: Status Code description: HTTP status code for the response. data: title: Data description: Payload or error details. query_generated_time: type: integer title: Query Generated Time description: >- UTC timestamp (milliseconds since epoch) when response was generated. type: object required: - status_code - data - query_generated_time title: CommonResponse description: |- Standard response wrapper for single-object responses and errors. Generic over the payload type. A route that declares ``CommonResponse[SomeModel]`` gets the real ``data`` schema rendered in OpenAPI/Swagger; a bare ``CommonResponse`` leaves ``data`` untyped. CodedErrorResponse: properties: status_code: type: integer title: Status Code description: HTTP status code for the response. data: $ref: '#/components/schemas/CodedErrorBody' description: Payload or error details. query_generated_time: type: integer title: Query Generated Time description: >- UTC timestamp (milliseconds since epoch) when response was generated. type: object required: - status_code - data - query_generated_time title: CodedErrorResponse description: Standard envelope wrapping a :class:`CodedErrorBody`. CodedErrorBody: properties: detail: type: string title: Detail description: Human-readable error message. code: type: string title: Code description: Stable string error code — the canonical value to branch on. error_code: type: integer title: Error Code description: >- Numeric custom error code from the Finogate registry. Unique per condition and stable forever. type: object required: - detail - code - error_code title: CodedErrorBody description: >- The ``data`` payload of a coded-error response. Condition-specific extras (e.g. ``remaining_time``) may also appear; only the always-present fields are typed here. securitySchemes: _AuthenticatedBearer: type: oauth2 flows: password: scopes: {} tokenUrl: /v1/platform/auth/token ````