Merchant Payouts
Learn how payouts work for Card payments.
Tapaya aggregates funds from various payment channels and settles them directly to the merchant's bank account. The payout schedule and mechanism depend on the specific payment method used. The documentation below provides detailed information on configuration and settlement expectations.
Payments are processed through our network of processing partners. Payouts are automatically deposited into your bank account according to your schedule.
Pricing is configured in the Platform or through the API. See Platform Payouts.
Financial Workflow
Balances
The merchant account maintains two distinct balances to ensure transparency and manage risk:
- Pending: Funds from recent transactions that are currently being processed and are not yet eligible for payout. This status reflects the time required for funds to move from the cardholder's bank through the card networks to our acquiring partners.
- Available: Funds that have cleared the necessary holding period and are ready for deposit. Once funds move to this state, they are queued for the next automatic payout cycle.
Payout Schedule
Card payouts operate on a settlement cycle that corresponds to the speed at which money moves across the card networks. The cycle is the same in every market Tapaya supports.
| Payment Method | Cycle |
|---|---|
| Card Payments | D+2 days, D+1 for high volume |
For example, D+2 means that payments created 2 days ago are paid out, so the merchant has the money in two days. High-volume merchants settle on D+1, the next day.
Payouts are initiated automatically for the whole Available balance per currency and payment method. There is no minimum payout threshold and no extended hold on the first payout: every cleared balance goes out in the next settlement cycle.
Funds are settled in the merchant's local currency, which in Czechia is CZK.
Invoicing
For financial records invoices are provided for all payment-related fees at the end of each month.
- Payment processor sends invoice for payment services directly to the merchant.
- Tapaya sends invoices for technical infrastructure directly to the merchant.
- If you collect a revenue share, we will add this to the Tapaya invoice and debit the merchant, see Platform Payouts.
Tapaya-issued invoices are also accessible in the Tapaya Platform in the Invoices section under each merchant.
Domestic VAT
Chargebacks
A chargeback removes the disputed payment from the merchant's balance while the dispute is investigated. See Chargebacks for the dispute lifecycle, evidence, and fees, and Responsibilities for who owns settlement, invoicing, and disputes.