Add `expected_on` field on Credits to communicate expected availability

[matin]

Adding push to card will complicate the logic for a customer to compute the availability for a credit, especially when different cards have different clearing speeds. Balanced can solve this by adding a field on Credits that show when the money should be available to the recipient.

[remear]

Customers will likely just need to wait for notifications via a webhook, right, since this enters the async realm. This is what we already do for ACH. Is that not sufficient?

[matin]

expected_on would return when creating the debit as an estimate for when the money will be available. For ACH, the API would need to encode the submission times, holidays, and weekends. For debit cards, it would be dependent on the same items as ACH but would be dependent on the BIN.

[rmanisha]

@matin this is a big request from customers. What's the timeline for this addition?

[mahmoudimus]

@rmanisha can we have customers who want this voice their opinion here. there are several ways to close this issue out and I'd like to get feedback on these implementations.

[franklangston]

Somewhere between instant and 3 business days is a wide range to set as an expectation for customers to receive funds. We want to give our customers more information up-front about when to expect to receive the funds, whether this is based on their bank, account type, or some other variable. In addition or alternately, we'd like to be able to give them a specific expectation of when to see the funds once the credit is made, per this feature.