Financial schedule

In the financial schedule, you can view the expected date and the actual date of payment for your transactions.

The lifecycle of a transaction consists of two stages:

1. The transaction moment, when the shopper makes the payment and the operation is processed.
2. The settlement of the transaction amounts, which is when Split de Pagamento transfers the funds to the merchant’s bank account.

There are contractual terms that define the payment schedule, meaning how long it takes for the merchant to receive the funds. For example, debit transactions are usually settled two days after the transaction, and credit transactions in 31 days.

The financial schedule shows the daily forecast of credits and debits for each participant in the transaction (master and sellers), considering the payment schedule for each payment method:

• Credit card: up to 31 days.
• Installment credit card: first installment in 31 days and the others every 30 days.
• Debit card: up to two business days.
• Boleto: up to two business days after payment confirmation.

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Warning

Payment occurs only on banking business days. The payment schedule may change due to operational issues from the acquirer or Split de Pagamento.

Expected settlement date

The date calculated according to settlement rules, considering whether it is a banking business day or not. This ensures the correct day for identifying the amount in the account.

Actual settlement date

This is the settlement date and it may differ from the expected date. If it is not possible to settle on the expected date, for example due to an incorrect bank account or if the bank rejects the transfer for any reason, we need to review and correct these issues and then attempt settlement again. Therefore, the settlement date will differ from the forecast, and we provide both fields to allow better control over receivables.

Example of expected date in the schedule

The example below simulates the expected settlement dates of a transaction in the financial schedule, from the capture date to the forecasted payment date of the last installment, following the payment schedule rules for installment credit card.

Consider a credit transaction of R$90.00 split into three installments, with a fixed fee of R$1.35 and a fraud analysis, which charges a R$0.90 fee.

The fixed fee is divided among the installments, and the fraud analysis fee is charged only in the first installment.

Check the main schedule events for this transaction:

• On 05/31, the transaction was captured.
• On 07/01, 31 days after capture, there were:
  • The credit of the first installment amount.
  • The debit of the Split de Pagamento fixed fee.
  • The debit of the fraud analysis fee.
• On 07/31, 30 days after the settlement of the first installment, there were:
  • The credit of the second installment amount.
  • The debit of the Split de Pagamento fixed fee.
• On 08/30, 30 days after the settlement of the second installment, there were:
  • The credit of the third installment amount.
  • The debit of the Split de Pagamento fixed fee.

*The example simulates calendar days without holidays or exceptions.