Settlement on the
real fee structure.
Generate settlements with interchange-aware fees, rolling reserve, chargeback costs and wire fees calculated automatically. Your finance team stops chasing spreadsheets.
Settlement built for the actual fee structure
Real settlement is not 'transaction volume × percentage'. It's interchange + scheme + acquirer + chargeback + reserve + wire - applied differently per merchant, per MID, per currency. Settlement Management handles the real calculation.
Interchange-aware
Settlement calculated from what processing actually cost. Interchange, scheme fees, acquirer margin, disputes, reserve and wire fees are applied per merchant, per terminal and per currency, not as one blended percentage.
Multi-currency
Hold-and-release schedules per merchant with auditable reports for every cycle. Reserve releases follow your hold-and-release policy automatically.
Auto-calculated
Chargeback costs feed into the settlement engine - tracked per MID, deducted from settlements, with full breakdown for every cycle.
Multi-currency settlement
Settle in multiple currencies independently. Each currency has its own thresholds, wire fees and reserve rules. Convert through DCC where needed.
Wire fee accounting
Wire fees configurable as flat, percentage, or a combination - calculated into every payout automatically.
How settlement runs
- Calculate
Every transaction processes through the fee engine - interchange + scheme + acquirer + your markup. Fees apply per-merchant, per-MID, per-card-brand.
- Reserve
Rolling reserve held per your policy; held funds released on the schedule you set; audit log on every release.
- Settle
Settlements run on the schedule you define. Wires go to merchant accounts; full per-merchant statements generated automatically.
Frequently asked questions
Can I run different fee structures per merchant?
Yes. Pricing lives in templates that are defined once and assigned, so cost plus and blended are configurations of the same engine rather than two different systems.
How is rolling reserve calculated?
Per your policy - typically a percentage of processed volume held for a defined period, then released. The schedule is configurable per merchant.
Can I settle in multiple currencies?
Yes. Each currency settles as its own book with its own threshold, reserve policy and wire fee, and a balance under the threshold carries forward instead of triggering a payout that costs more than it moves.
Does the settlement statement break down chargebacks and refunds?
Yes. Every settlement statement shows captured volume, refunds, chargebacks, fees and net payout - with line-item reconciliation back to the transactions.
Can my merchants see their own settlements?
Yes. The merchant control panel shows the same settlement statements, branded as your platform.
Where is data hosted?
Hosting, retention and data residency are set per deployment rather than fixed, and each brand is served from its own domain. Tell our team what your regulator and your customers require and we will confirm the arrangement in writing.