Card Settlement and Merchant Payouts

Track payment status and funding status separately

An approval records the authorization. A captured transaction proceeds toward settlement through your payment provider. The deposit you receive can combine multiple transactions and adjustments. The timing between these events depends on your provider and account terms.

Match three reports

• Export paid and refunded store orders with the payment reference and transaction date.
• Use the processor’s settlement or funding report to identify batch IDs, adjustments, and the expected bank deposit.
• Match expected deposits against the bank feed by amount and reference. Record payout dates separately from order dates.

Investigate missing or smaller deposits in order

Check cutoff times, the time zone used in each report, and any weekends or bank holidays in the funding window. Review fees, refunds, reserves, and disputes posted against the batch. For a remaining difference, give your provider the batch ID, amount, expected date, and masked bank reference.