> For the complete documentation index, see [llms.txt](https://securepay-4.gitbook.io/console-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://securepay-4.gitbook.io/console-docs/basics/settlements.md).

# Settlements

The **Settlement** page outlines when funds collected via SecurePay are transferred (settled) to your account. Understanding cut-off times and settlement initiation ensures you know exactly when you’ll receive your payments.

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### Cut-Off & Settlement Timing

| Day       | Cut-Off Time (MYT) | Settlement Initiated     | Notes                |
| --------- | ------------------ | ------------------------ | -------------------- |
| Monday    | Before 11:59 PM    | Tuesday (by 11:00 AM)    | —                    |
| Tuesday   | Before 11:59 PM    | Wednesday (by 11:00 AM)  | —                    |
| Wednesday | Before 11:59 PM    | Thursday (by 11:00 AM)   | —                    |
| Thursday  | Before 11:59 PM    | Friday (by 11:00 AM)     | —                    |
| Friday    | Before 11:59 PM    | **Monday** (by 11:00 AM) | Weekends rolled over |
| Saturday  | Before 11:59 PM    | **Monday** (by 11:00 AM) | —                    |
| Sunday    | Before 11:59 PM    | **Monday** (by 11:00 AM) | —                    |

{% hint style="info" %}
**Note**: These times apply only on working days. If a settlement day falls on a public holiday, the initiation shifts further to the next working day.
{% endhint %}

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### How It Works

1. All payments made **before the daily cut-off time** are eligible for the next settlement run.
2. Settlement is **not processed on weekends or public holidays** — those get deferred to the next working day.

***

### Example Scenarios

* A payment completed on **Tuesday at 10:30 PM** — settlement will be initiated **Wednesday**.
* A payment completed on **Saturday at 8:00 PM** — it is past cut-off for the business day, so it will be included in the next cycle, which is **Monday initiation**.
* If Monday is a public holiday, then settlement is delayed until **Tuesday**.

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###  Best Practices & Tips

* Always aim to complete transactions **before 11:59 PM server time** to ensure same-day eligibility.
* Monitor your **public holiday calendar** since settlements are postponed on non-working days.
* Contact support if your settlement doesn’t arrive within expected windows — there may be bank delays or adjustments