A few things come to mind when it comes to payment processing with Barclay: 1) They may hold payments up to 2 weeks before posting, but I heard they back-date it, so you're not late. They'll do this if you've already sent multiple payments within the same billing cycle like 3 or 4 payments. 2) If it was for a larger than normal amount 3) If the payment source is new, they want to be sure it's legit.