https://accountants.intuit.com/support/en-us/help-article/manage-integrations/using-pay-refund-proco...

The client gets there money in about the same time as regular e-file "Pay-by-Refund isn't a loan against a tax refund. The IRS or state tax agency must first release the funds to the bank before your client will receive their refund. The IRS issues most refunds within 21 days. However, it's possible the tax return may require additional review and could take longer."

https://accountants.intuit.com/support/en-us/help-article/tax-refund/using-refund-advantage-pay-refu...