If your user processes low volumes in low-risk industries, Adyen can apply a settlement delay to their merchant account instead of requiring a deposit: we hold a higher processing coverage, as the settlement is delayed.
Delayed settlements influence when your users get paid out. Adyen delays settlements to protect them from settlement uncertainties in case of extreme scenarios, such as the COVID-19 pandemic. By delaying settlements, we can consistently maintain the cash outflow without having to block payouts during unforeseen events.
Determining the settlement delay
The settlement delay is initially determined based on your user's merchant category code (MCC), ranging from 0 to 12 business days. It may be adjusted based on individual processing needs.
With delayed settlement, your users are subject to continuous transaction monitoring. If anomalous behavior occurs, your user may be placed on a standard deposit.
View delayed settlement details
To check the delayed settlement details of your users:
- Log in to your live Customer Area.
- Go to Finance > Payout model.
- See the Delay column.