ABOUT SETTLEMENTS
Fast and reliable payment settlements.
When customers pay by card, your funds are processed through secure global infrastructure and settled directly to your business bank account.
Get your money as soon as T+1.
How settlement works
1
Customer pays
A customer completes a payment using Visa, Mastercard, Amex, JCB, CUP or other supported card networks.
2
Transaction is processed
The payment is securely processed through the acquiring bank.
3
Funds are reconciled
Transactions are verified and reconciled through the payment network.
4
Funds are transferred to your bank
The settled amount is transferred to your business bank account, as soon as T+1.
Standard settlement timeframe
Most transactions settle within 1–2 business days, depending on the card network and issuing bank.
Factors that may influence settlement timing:
- Card network processing times
- Bank clearing cycles
- Weekends and public holidays
- Merchant onboarding configuration
Daily Transaction Reconciliation
Sambapay provides clear transaction visibility so you can easily track your sales and payouts.
You can receive:
- Simple transaction summaries
- Clear daily totals
- Easy reconciliation with your sales
- Transparent reporting structure
Built on trusted payment infrastructure
Sambapay operates on infrastructure provided by a Fortune 500 financial technology company processing billions of transactions globally every year.
This infrastructure is trusted by banks, financial institutions and millions of merchants worldwide.
Supported payment methods
Questions about settlements
We offer settlement from as early as T+1 (the next business day), depending on your merchant agreement and business profile. During onboarding, we’ll confirm your settlement schedule so you know exactly when to expect your funds.
Your card payment funds are deposited directly into the business bank account you nominate during onboarding. If you ever need to update your settlement account, our team can guide you through the verification process.
We support all major card brands, including Visa, Mastercard, American Express, JCB or CUP. Depending on your setup, we also support a range of digital wallets and alternative payment methods, allowing you to accept the payment methods your customers prefer.
Yes. You’ll have access to merchant reporting tools where you can view transactions, monitor settlements, and reconcile your payments. This gives you a clear overview of your daily sales and when funds have been deposited.
Yes. Settlement is generally processed on business days. Transactions made on weekends or public holidays may be settled on the next available business day, depending on your settlement schedule and your bank’s processing times.
Start a chat LAUNCHING 2026
Live in Singapore.
If you are a business owner looking for a modern payment solution, we would love to speak with you.
