What is T+1 settlement and why it matters

When a customer pays you by card, the money doesn't become withdrawable instantly. It settles on a schedule — for us, T+1, meaning the next day. Here's what that means for your cash flow.

Two balances

Your wallet has two numbers:

• Available balance — money you can withdraw right now.
• Pending balance — money collected but not yet settled.

Your ledger (total) balance is simply the sum of the two.

Why the delay?

Card networks and processors need a short window to finalise a transaction (and to handle the rare reversal). T+1 is a predictable, industry-standard window that keeps your payouts clean and dispute-free.

Bank transfers are different

A bank-transfer inflow to your dedicated account is instant — it lands directly in your available balance with no T+1 wait. That's one of the big advantages of collecting by transfer.

Reading it right

If your available and ledger balances are the same, all your money is ready to withdraw. If ledger is higher than available, the difference is card money still settling — it'll move over automatically at T+1.

Planning around it

For steady cash flow, know that today's card sales are tomorrow's withdrawable balance. If you need money to move faster, lean on bank transfers, which clear immediately.