It is prolonged as most bank transfers done before the cutoff time appear the next morning (or same day, same evening). Buyers then mark you down DSR stars for postage because of this. Payment initiated date also appears as the payment date in eBay when it clears, not when it has been processed - many new eBayers do not realise payment is not instant either and had a few nasty buyers who message me 'where is the item?' 'Why has it not be marked posted' etc.