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Settlement timing
When the money you collect becomes available to withdraw, counted in business days.
Money you collect becomes available for withdrawal after a settlement period agreed with HansaPay, written T+N (shown in the portal as, for example, "Next business day (T+1)").
- N counts business days, not calendar days. A business day is Monday to Friday, except these six US holidays: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day and Christmas Day. When New Year's Day, Independence Day or Christmas Day falls on a Saturday, the Friday before is the holiday; on a Sunday, the Monday after.
- Other US public holidays, such as Martin Luther King Jr. Day, Juneteenth and the day after Thanksgiving, are business days.
- Day T is the day the order was created, not the day it was paid. The day itself is not counted.
- The funds become available shortly after midnight at the end of the settlement day (00:05).
- There is no cut-off time within a day. Dates are counted in HansaPay's operating time zone.
- With
T+0, money settles on the day the order was created, even at a weekend.
Worked example: an order created on Friday 4 September 2026. Monday 7 September is Labor Day.
| Settlement period | Settlement day | Available from |
|---|---|---|
| T+0 | Friday 4 September | Saturday 5 September, 00:05 |
| T+1 | Tuesday 8 September | Wednesday 9 September, 00:05 |
| T+2 | Wednesday 9 September | Thursday 10 September, 00:05 |
| T+3 | Thursday 10 September | Friday 11 September, 00:05 |
Refunds are settled on the same calendar, counted from when the refund is confirmed.