Adyen Settlement and Payouts: Understanding When You Get Your Money

Understanding when and how you receive your processing proceeds is essential for cash flow planning. ConvesioPay settlement runs on Adyen’s payout infrastructure — giving merchants access to one of the most reliable and transparent settlement systems in the industry. This guide explains the settlement cycle, how payouts are calculated, and how to optimize your payout timing.

The Settlement Cycle

1. Authorization: The card network approves the transaction and holds the funds. This happens in real time during checkout.
2. Capture: The merchant (or ConvesioPay on their behalf) submits the authorized transaction for settlement. For most ecommerce transactions, capture happens automatically at the time of authorization.
3. Settlement (card network clearing): Visa and Mastercard clear the transactions in their daily clearing cycles. This typically occurs within 24 hours of capture.
4. Payout to merchant bank account: After network clearing, ConvesioPay/Adyen consolidates settled transactions and transfers the net amount to the merchant’s bank account.

Payout Schedule

ConvesioPay merchants receive payouts on a standard schedule based on the settlement batch. Standard ecommerce merchants typically receive next-business-day or two-business-day settlement from transaction date. Contact the ConvesioPay team to confirm your payout schedule and discuss whether a faster settlement frequency is appropriate for your business.

What’s Included in the Payout

• Gross transaction volume for the settlement period
• Minus processing fees (2.9% + $0.30 per transaction)
• Minus refunds processed during the period
• Minus chargebacks settled against the account
• Plus any chargeback wins credited during the period

Currency Conversion

For merchants accepting multi-currency transactions, Adyen processes in the transaction currency and settles in the merchant’s home currency (or preferred settlement currency). Currency conversion uses Adyen’s FX rates applied at the time of settlement. Merchants with significant multi-currency volume can request settlement in multiple currencies to reduce conversion costs.

Rolling Reserves

Some merchants — particularly those in higher-risk categories or with newer processing history — may have a rolling reserve applied. A rolling reserve holds a percentage of each payout (typically 5%–10%) for a fixed period (typically 90–180 days) as risk protection. Reserves are released on schedule as the holding period expires.