Abstract: A method includes, based on a request from a payor to initiate a remittance payment, determining a start time for processing the remittance payment and calculating an initial processing duration attributable to a remittance provider computer system and associated with the remittance payment. The method also includes determining availability of a partner associated with the remittance provider computer system to process the remittance payment, wherein the availability of the partner is determined according to the start time and the initial processing duration and based on calendar information received from the partner. The method also includes calculating a partner processing duration for the partner to process the remittance payment, and calculating a date of availability for a payee to access the remittance payment, wherein the date of availability is calculated based on the availability of the partner to process the remittance payment and the partner processing duration.