POS Settlement Times: How Long Until You Receive the Money
You've taken a payment with the POS, but the money isn't in your account yet. How long does it take? The answer depends on the network (Visa, Mastercard), the transaction type and your provider. The table below gives you the times at a glance: D+1 means next-day settlement, D+2 two days later, and so on. With RoxPay settlement happens in D+1; with many traditional banks it's D+2 or D+3. Here's a practical guide for planning your liquidity.
POS settlement times (business days from T)
| Code | Meaning | Example (transact Monday) | Typical provider |
|---|---|---|---|
| D+1 | Next day | Tuesday | RoxPay, modern gateways |
| D+2 | 2 days later | Wednesday | Many banks |
| D+3 | 3 days later | Thursday | Old bank contracts |
| End of month | Single monthly batch | Last day of month | Avoid |
Weekends and holidays don't count. Transact Friday with D+1 → payout Monday.
D+1, D+2, D+3: what they mean
Settlement times are measured in "business days" from the transaction date (T). D+1 means funds arrive the next business day: if you transact Monday, you have them Tuesday. D+2 equals two days later (Wednesday), D+3 three days later (Thursday).
Holidays and weekends don't count. If you transact Friday with D+1, the payout arrives Monday.
What determines settlement speed
Three factors influence the times. The network: Visa and Mastercard run settlement batches at fixed times; most European providers offer D+1 or D+2 for POS transactions. The provider: traditional banks often apply D+2 or D+3, while modern gateways like RoxPay offer D+1 to optimise merchant cash flow. Transaction type: "card present" transactions (physical card at POS) are faster; "card not present" (e-commerce) may have different batches.
Why liquidity matters
If you pay suppliers every Friday and settlements arrive in D+3, you risk running short. With D+1 you have Monday's money by Tuesday: cash flow is predictable and you can plan payments with confidence.
For restaurants and stores with weekend revenue peaks, D+1 means having liquidity at the start of the following week, when you need it for ordering supplies and paying wages.
How to get faster settlements
First rule: choose a D+1 provider. RoxPay and other modern gateways offer D+1 settlement as standard. Always verify the terms in your contract before signing.
Avoid "end of month" batches: some old bank contracts settle in a single monthly lump. It's a liquidity nightmare. Always look for daily or at least weekly settlements.
Perguntas frequentes
Is D+1 settlement guaranteed?
Yes, with RoxPay settlement happens in D+1 for regular transactions. Any disputed transactions (chargebacks, disputes) may be held until resolution.
Do times change for international cards?
Generally no. Once the transaction is authorised and acquired, the settlement batch follows the same timeline. The difference may be in fees (extra-EU cards cost more), not settlement times.
Can I get same-day settlement (D+0)?
Rare for POS. Some providers offer instant settlement at extra cost for e-commerce. For physical POS, D+1 is the best standard.
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