Settlement times

When does the money arrive in my bank account?

Smartpay settles to your nominated bank for processing the next business day. However each bank will clear the funds at different times. Please call your merchant bank to see when these funds will be available for use.

Transaction DayMondayTuesdayWednesdayThursdayFriday, Saturday & Sunday
Settlement DayTuesdayWednesdayThursdayFridayMonday

If you have requested for MOTO transaction, these are processed by our partner Merchant Warrior. They will settle these transactions in two business with the Merchant Service Fee deducted from each transaction.

Alipay and WeChat Pay Settlements

We’ll settle you two business days after the transaction has been made. The trading window is midnight to midnight Beijing time e.g 2am or 3am AEST depending on daylight savings.

Please note that business days take into account public holidays in both Australia and China.