Settlement Overview
Quick Reference
What is settlement
Settlement is the process by which funds from a confirmed payment move from the acquirer (or payment provider) to your merchant bank account. Every paid charge goes through a settlement window before the net amount is deposited.
Settlement lifecycle
Charge paid
The customer completes payment. The charge status becomes paid.
Settlement window
The provider holds funds for a defined period (varies by method). During this window, chargebacks, refunds, or disputes may reduce the settlement amount.
Net calculation
A55 calculates the net amount: gross amount minus MDR, interchange, and processing fees.
Funds deposited
Net funds are transferred to your registered bank account.
Settlement timing by payment method
| Payment Method | Market | Settlement Window |
|---|---|---|
| Credit card | Brazil | D+30 (standard) |
| Credit card | Mexico | D+15 (standard) |
| Debit card | All | D+1 |
| PIX | Brazil | Instant to D+1 |
| Boleto | Brazil | D+1 to D+3 |
| SPEI | Mexico | Same day |
| OXXO | Mexico | D+1 to D+2 |
D+N means N business days after the payment date. Weekends and holidays extend the actual calendar time. Credit card settlement windows may be negotiable based on volume — contact your account manager.
Settlement groups
A55 organizes settlements into settlement groups — logical groupings that control how and when funds are disbursed.
| Concept | Description |
|---|---|
| Settlement group | A named collection of charges that settle together (e.g. by merchant, by payment method, by country) |
| Settlement rule | Configuration that defines the settlement window, fee structure, and destination account for a group |
| Settlement batch | The actual transfer of funds — may contain multiple charges from the same group |
Settlement statuses
| Status | Description |
|---|---|
| pending_settlement | Charge is paid but within the settlement window |
| scheduled | Settlement batch is queued for processing |
| settled | Funds have been deposited to your bank account |
| held | Settlement is paused due to dispute, chargeback, or compliance review |
| failed | Settlement transfer failed (invalid bank details, etc.) |
What affects settlement
| Factor | Impact |
|---|---|
| Chargebacks | Deducted from the next settlement batch |
| Refunds | Reduce the gross amount before net calculation |
| Disputes | May hold the charge amount until resolution |
| Currency conversion | FX fees applied for cross-border settlements |
| Rolling reserve | A percentage may be withheld as risk reserve (contract-dependent) |
Multi-provider settlement
A55 orchestrates payments across 29+ acquirers. Each acquirer has its own settlement cycle and reporting format. A55 normalizes all settlement data into a unified format and timeline, so you see consistent settlement information regardless of which provider processed the charge.