Settlement Latency & Treasury Modeler

Legacy acquirers hold merchant funds for 3 to 7 days before payout. This modeler calculates the exact working capital unlocked by transitioning to T+0 instant settlement via Pisria.

Daily Processed Volume (€) Current Acquirer Settlement Delay (Days) Corporate Treasury Yield / Cost of Capital (%)

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JavaScript Disabled: For €300,000 in daily volume delayed by 3 days, €900,000 of working capital is perpetually locked. At a 5.25% cost of capital, this costs the merchant €47,250 annually in lost yield or interest expense. T+0 eliminates this entirely.

Why Acquirers Delay Settlement

Acquirers mandate T+3 to T+7 settlements to buffer against chargeback risk and to earn overnight interest on your floating capital. When you use cards, you are effectively providing an uncompensated, short-term loan to your payment processor.

The T+0 Advantage

Pisria pushes funds directly from the consumer's bank to your corporate treasury account via SEPA Instant or UK Faster Payments. The funds arrive in seconds, natively reconciled via distinct payment reference strings.