The timetable on which a payment processor or marketplace pays out a merchant’s takings.
Why e-commerce and card-heavy statements can look batched rather than daily. A two-day or weekly settlement produces deposit patterns that read as irregular to a pattern-matching underwriter even when the underlying trade is perfectly steady.
Deposit count
The number of separate deposits into a merchant’s account in a statement period, as distinct from the total deposited.
Underwriting
A funder’s assessment of whether a merchant’s receipts can absorb a daily remittance, and on what terms.
Holdback
The percentage of daily card sales or bank deposits a funder takes until the advance is repaid.
Chargeback
A card transaction reversed at the cardholder’s request, returning funds and usually incurring a fee.
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