> For the complete documentation index, see [llms.txt](https://v2.docs.securepay.my/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://v2.docs.securepay.my/basics/settlements.md).

# Settlements

The **Settlement** page outlines when funds collected via SecurePay are transferred (settled) to your account. Understanding cut-off times and settlement initiation ensures you know exactly when you’ll receive your payments.

***

### Cut-Off & Settlement Timing

| Day       | Cut-Off Time (MYT) | Settlement Initiated     | Notes                |
| --------- | ------------------ | ------------------------ | -------------------- |
| Monday    | Before 11:59 PM    | Tuesday (by 11:00 AM)    | —                    |
| Tuesday   | Before 11:59 PM    | Wednesday (by 11:00 AM)  | —                    |
| Wednesday | Before 11:59 PM    | Thursday (by 11:00 AM)   | —                    |
| Thursday  | Before 11:59 PM    | Friday (by 11:00 AM)     | —                    |
| Friday    | Before 11:59 PM    | **Monday** (by 11:00 AM) | Weekends rolled over |
| Saturday  | Before 11:59 PM    | **Monday** (by 11:00 AM) | —                    |
| Sunday    | Before 11:59 PM    | **Monday** (by 11:00 AM) | —                    |

{% hint style="info" %}
**Note**: These times apply only on working days. If a settlement day falls on a public holiday, the initiation shifts further to the next working day.
{% endhint %}

***

### How It Works

1. All payments made **before the daily cut-off time** are eligible for the next settlement run.
2. Settlement is **not processed on weekends or public holidays** — those get deferred to the next working day.

***

### Example Scenarios

* A payment completed on **Tuesday at 10:30 PM** — settlement will be initiated **Wednesday**.
* A payment completed on **Saturday at 8:00 PM** — it is past cut-off for the business day, so it will be included in the next cycle, which is **Monday initiation**.
* If Monday is a public holiday, then settlement is delayed until **Tuesday**.

***

###  Best Practices & Tips

* Always aim to complete transactions **before 11:59 PM server time** to ensure same-day eligibility.
* Monitor your **public holiday calendar** since settlements are postponed on non-working days.
* Contact support if your settlement doesn’t arrive within expected windows — there may be bank delays or adjustments


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://v2.docs.securepay.my/basics/settlements.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.