Settlement Scenarios
Visualizing complex payout and refund flows across different business models.
SamaPay provides different settlement cycles based on your business risk profile and volume. Use the visual flows below to understand the lifecycle of your funds.
Standard T+1 Settlement
Most merchants operate on a T+1 (Next Day) settlement cycle.
Refund Logic
Refunds are processed instantly if your account balance has sufficient funds.
Refunds for Wave transactions must be initiated within 30 days of the original transaction date. Bank-bound refunds may take 3-5 business days.
Settlement Fees
Our fee structure is transparent. We deduct fees at the point of transaction, so your settlement amount matches your dashboard exactly.
| Method | Fee | Settlement Cycle |
|---|---|---|
| Wave GMD | 1.0% | T+1 |
| Bank Transfer | 0.5% | Instant |
| QMoney | 1.2% | T+1 |
| Refunds | Free | Instant |
Thresholds
Settlements are triggered once your balance exceeds 500 GMD.
Manual Payouts
High-volume enterprise clients can request manual "Instant Payouts" via the admin API.