Flow of funds from US stakeholder to US company
US-based option holders exercising options in a US company can utilize ACH (electronic bank transfer) to pay for their exercises.
Exercise workflow
Submit your exercise request through the Carta platform
Company notification occurs automatically upon submission
Following approval, Carta initiates the ACH transfer from your verified bank account
Payment processing timeline
Bank submission schedule:
Transactions initiated before 3 PM PST on business days: Processed same day
Transactions initiated after 3 PM PST or on weekends/holidays: Processed next business day
Processing duration:
Bank account debit: Next business day after submission
Carta processing period:
Personal/Business accounts: 3 business days
Post-payment process
Successful payment:
Carta transfers funds to the issuing company via ACH on the same day
Transaction status updates to "Succeeded" at 11 AM PST the following day
Stock certificate is automatically generated and sent to company signatories
Failed payment:
Email notification sent to the shareholder
Certificate generation does not occur
Funds remain in Carta's customer account pending investigation