If you want your money very very fast, without any dumb shit, you should go with BalancedPayments.com. We built our SAAS platform on top of this, and it is easily the best payment processor I've ever dealt with.

Our business account is with chase, and if I charge a card, the money is in the account when work starts the next day. Also, they have same day pay outs to Wells Fargo accounts. Meaning yes, if you charge a card, and disperse the funds to a wells fargo account, it will be available in your account the same day.

Fantastic API btw