Settlement Basics
Understand how customer payments settle to merchant wallets.
Settlement is the step after payment and after-sales handling where eligible paid orders move toward the merchant settlement wallet.
Settlement Destination
Settlement destination means the merchant wallet and network used when an eligible order settles.
Merchant Wallet Boundary
Merchant wallet configuration sets the settlement destination. Stafiel does not ask for merchant wallet private keys or custody of the merchant wallet.
Captured At Checkout Creation
The settlement destination is captured when the checkout session is created. Later wallet configuration changes apply to future checkout sessions, not to existing orders.
Network-Specific Settlement
Settlement value is not aggregated across networks. Each eligible order settles on the network used by that order to the merchant wallet configured for that network.
Normal Settlement Flow
After an eligible paid order passes the configured after-sales window, settlement moves the merchant amount through the supported payment rail to the configured merchant wallet. There is no manual merchant claim or withdrawal step in the normal settlement flow.
For wallet setup and security boundaries, see Wallet Settings and Security and Wallet Boundary.
Platform Fee
When a platform fee applies, it is handled as part of the same on-chain settlement transaction. Settlement records show the merchant amount and the platform fee amount separately, so the breakdown is clear.
For fee concepts, see Fees and Plan Usage. For operational settlement review, see Settlement Review. For integration details, see Settlements API.
Refund Impact
Refunds during the after-sales window can change what later settles. A partial refund can leave a remaining amount for settlement. A full refund ends the payment value for that order instead of continuing to settlement.
For refund rules, see Refund Basics.
Network Differences
Settlement behavior can vary by network. Timing, transaction format, transaction costs, and confirmation behavior may not look identical across supported payment rails.
These differences do not change the settlement rule: each order settles on the network selected for that order.
Settlement Completion
Settlement completion means the order's settlement record shows a settled result. Before that, Merchant Dashboard may show the order as waiting for settlement or pending settlement verification.
Settlement is not instant. It follows payment confirmation, the configured after-sales window, required KYT/AML and related compliance checks, network processing, and platform settlement processing.