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Settlement

Know exactly when money reaches your account.

Every settlement batch carries the UTR your bank prints, a statement that lists each order, fee and tax line, and a net you can match to the rupee. Try the lookup with the sample UTRs.

Look up a sample UTRDownload a sample statement
SANDBOX

Settlement ledger (sample)

Three days, three batches

14 Oct 2026
SBX26101500A1 · ₹26,849.04
13 Oct 2026
SBX26101400B7 · ₹88,705.94
15 Oct 2026
SBX26101600C3 · ₹31,112.01
Latest statement5 orders · ₹26,849.04

Perforated like a real statement: every line can be torn off and matched.

Try it

From a bank reference to the orders behind it.

Paste a UTR and get the batch, its orders and the fee lines. Unknown references return a clear not-found state instead of a pretend match.

UTR lookup

Sandbox demo

Demo environment — no real transaction is performed.

Enter the bank reference printed on your statement. The sandbox recognises the three sample UTRs below and answers “not found” for anything else.

12 to 22 letters and digits. Sample UTRs start with SBX.

Try:

The settlement route

Orders become a batch; the batch becomes a credit.

Four stages, each with a record you can see in the dashboard and fetch from the API.

OrdersBatchBankCredit · UTRTT+1
Illustrative. Day labels show a T+1 style cycle; the cycle for your account is configured, not assumed.
  1. CapturedPayment succeeds; order marked paid
  2. BatchedGrouped at the cut-off for the cycle
  3. SettledBank credits your account with a UTR
  4. ReconciledStatement lines match your records

Cycles

T+1 is a description, not a guarantee.

Cycles are configured per account and depend on the payment method and the bank. We describe the options and point you to where your actual cut-off is shown.

Settlement cycles
CycleWhat it meansCut-offNotes
T+1Captured today, credited the next working dayShown in your dashboardCommon default for card and UPI collections
T+2Credited two working days after captureShown in your dashboardUsed where an extra review window is configured
Same dayMultiple batches within the dayPer batchConfigurable for eligible accounts; never assumed
On holdBatch paused pending a check—You see the reason on the batch and in the support portal
SANDBOX
Fees shown on every line (sample)
Gross
₹1,250.00
Fee (sample 2%)
− ₹25.00
Tax on fee (as applicable)
− ₹4.50
Net
₹1,220.50

Illustrative rates. Your pricing is agreed before you go live and printed on each statement.

Sandbox demo
# Sandbox endpoint — illustrativecurl https://api.payvendors.example.invalid/v1/settlements?utr=SBX26101500A1 \  -u pv_test_7k3q9z1a2b3c4d5e6f7g8h9j:

Reconciliation

One statement, three places it lines up.

Dashboard columns, statement columns and API fields use the same names so your finance team and your developers reconcile the same thing.

Column mapping between dashboard, statement and API
DashboardStatement columnAPI field
Settlement IDsettlement_idsettlement.id
Bank UTRutrsettlement.utr
Orderorder_idorder.id
Paymentpayment_idpayment.id
Gross amountgrosspayment.amount
Feefeepayment.fee
Tax on feetaxpayment.tax
Net creditednetsettlement.net_amount

What the sample file contains

5 order lines from batch SBX26101500A1, each with gross, fee, tax and net, followed by a TOTAL row that equals the bank credit.

When numbers differ

Raise a ticket with the UTR from the support portal; the settlement desk sees the same statement you do.

Open the support portal

FAQ

Questions, answered plainly.

All questions

Statements can lag the credit by a few hours. If the UTR is still missing after the next cycle, raise a ticket with the amount and date — the settlement desk can match it from the bank side.

Ready when you are

Reconcile with confidence from day one.

Create a sandbox key and pull a sample settlement from the API.

Create a test API keySee payouts

Sandbox keys never move money.