For start-ups, especially in fields where there's a high rate of chargeback, the processing company can hold on to the money for up to 45 days. They don't want to be in a position where the company goes bust and they are left refunding all the customers. My personal trainer has started a studio and, because it's lumped into generic `leisure', he's having to wait thirty days for payments to come through. So it's not totally implausible.