Settlement

Net settlement

Payout model where the acquirer deducts fees, refunds, and chargebacks from gross transactions before funding; the merchant receives one net figure.

Related terms

Gross settlement

Payout model where the acquirer funds the full transaction amount and invoices fees separately; preferred by larger merchants for reconciliation clarity.

Settlement

The transfer of funds from the acquirer to the merchant's bank account, net of fees and reserves.

Related guides.

Apply with Cardflo

Ready to improve your payments setup?

Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.

Apply with Cardflo Explore the platform