---
title: "Settle funds"
description: "Learn how and when funds are made available for you and your users."
url: "https://docs.adyen.com/platforms/settle-funds"
source_url: "https://docs.adyen.com/platforms/settle-funds.md"
canonical: "https://docs.adyen.com/platforms/settle-funds"
last_modified: "2026-06-01T15:33:15+02:00"
language: "en"
---

# Settle funds

Learn how and when funds are made available for you and your users.

[View source](/platforms/settle-funds.md)

After processing transactions for your users, Adyen sends the funds to one of your [merchant accounts](/account/account-structure#merchant-accounts). These funds are split among your users and your platform, and then settled in the corresponding [balance accounts](/platforms/account-structure-resources).

## Requirements

Before you begin, take into account the following limitations:

| Requirement     | Description                                                                                                                                                                                                                                                                                                                                                |
| --------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Limitations** | The [pass-through settlement model](/platforms/settle-funds/pass-through-settlement) is deprecated and not available for new integrations, except for the following payment methods:- Affirm
- maestro\_USAThe funds from these payment methods or variants are settled according to the payment method's schedule, instead of the sales day closing time. |

## Sales day settlement

Adyen uses a sales day settlement model where the funds are settled independently of the timelines of schemes and payment methods involved in the transaction. This settlement model enables you and your users to receive funds in batches related to a particular sales day.

A sales day is a 24-hour period in which Adyen processes your payments. By default, Adyen defines a sales day from midnight (00:00) to midnight of the next day (23:59) in the balance account's local timezone. You can [configure your sales day closing time](/platforms/settle-funds/configure-closing-time) to end later if your user's business closes after midnight.

## How fund settlement works

Adyen assigns all funds captured within a sales day to settlement batches related to that sales day. These batches are settled together after the sales day ends. The period between the sales day and the settlement depends on the configured [settlement delay](#settlement-delay) days. This period is not affected by the date when the schemes or payment methods transfer the funds to Adyen.

For example, consider a balance account using sales day settlement with a settlement delay of *two days*. All the sales captured for that balance account within the sales day on Monday, January 1, are settled two business days later, on Wednesday, January 3, regardless when the schemes pay out the funds.

The funds settled in a batch are [calculated on a net basis](#settlement-calculation). This means that your users get the funds for their sales minus any costs that occurred during the sales day, for example, refunds, chargebacks, or transaction costs.

For more information about how funds flow, see [Flow of funds](/platforms/process-payments#flow-of-funds).

## Settlement calculation

Before settlement, Adyen calculates your net settlement funds. These are your user's sales figures after deducting:

* Transaction costs
* Refunds
* Chargebacks
* [Settlement reversal](#settlement-reversal)
* Other adjustments, for example, balance transfers

The adjustments are included as they occur. This means that some adjustments in your current settlement batch could be related to a batch from a different sales day.

## Settlement delay

After a transaction is processed, Adyen applies a waiting period for any adjustments before settlement. This waiting period is called the settlement delay. The default delay is defined in your contract and varies by region and payment method.

How this delay is applied depends on your chosen payout product:

* If you are using [managed payouts](/platforms/managed-payouts), Adyen automatically optimizes the settlement delay to ensure funds are delivered to your users according to the estimated time of arrival (ETA) specified in your contract. You do not need to manually configure delays when using this solution.
* If you are using [custom payouts](/platforms/custom-payouts/scheduled-payouts), you have the flexibility to override the default waiting period by configuring a [custom settlement delay](/platforms/custom-payouts/configure-settlement-delay). This allows you to specify exactly how many business days must pass before the funds in a settlement batch are made available for your custom schedules or on-demand requests.

For example, with a settlement delay of two business days, sales that happened on a Monday are made available the following Wednesday.

The following table shows examples of how settlement delay works for custom payouts:

| Day and time of capture | Sales day closing time | Settlement delay | Day and time of settlement |
| ----------------------- | ---------------------- | ---------------- | -------------------------- |
| Monday at 14:00 EDT     | 00:00 EDT              | Two days         | Wednesday at 00:00 EDT     |
| Tuesday at 02:00 EDT    | 05:00 EDT              | Two days         | Wednesday at 05:00 EDT     |
| Wednesday at 01:59 EDT  | 02:00 EDT              | One day          | Wednesday at 02:00 EDT     |
| Thursday at 05:00 EDT   | 00:00 EDT              | Two days         | Monday at 00:00 EDT        |
| Saturday or Sunday      | 00:00 EDT              | Two days         | Tuesday at 00:00 EDT       |
| Monday at 17:00 EDT     | 00:00 EDT              | Five days        | Monday at 00:00            |

Adyen settles any available funds daily on working days (Monday to Friday), excluding bank holidays. The settlement delay increases when a sales day falls on a bank holiday.

The following table shows examples of how settlement delay works when there is a bank holiday.

| Day and time of capture | Sales day closing time | Settlement delay | Bank holiday          | Day and time of settlement |
| ----------------------- | ---------------------- | ---------------- | --------------------- | -------------------------- |
| Monday at 14:00 EDT     | 00:00 EDT              | Two days         | Tuesday and Wednesday | Friday at 00:00 EDT        |
| Thursday at 05:00 EDT   | 00:00 EDT              | Two days         | Monday                | Tuesday at 00:00 EDT       |
| Saturday, or Sunday     | 00:00 EDT              | Two days         | Monday                | Wednesday at 00:00 EDT     |

For a list of bank holidays, download the [Adyen Observed Bank Holidays](/account/getting-paid/Adyen_observed_bank_holidays_2026.xlsx) spreadsheet.

## Settlement reversal

If Adyen does not receive the funds within 30 days after a payment's capture, we subtract those funds from the current settlement batch. This is called a reversed settlement.

## Next steps

[Configure closing time](/platforms/settle-funds/configure-closing-time)

[Learn how you can modify the sales day closing time for a balance account.](/platforms/settle-funds/configure-closing-time)

[Configure custom settlement delay](/platforms/custom-payouts/configure-settlement-delay)

[Learn how you can change the settlement delay applied to a balance account.](/platforms/custom-payouts/configure-settlement-delay)
