Programmable settlement
Self-settling payments.
Every transaction settles every obligation—suppliers, landlords, platforms, programmes—with proof.
Every deduction explained.
Refunds unwind automatically
Proof on every line item
No invoices. No chasing. Just paid.
Receipt packReference: RP-2025-001
Payment capturedReceived 20:32
Proof pack attachedReady in 90s
Payout explainedEvery line item
Net to merchant
AED 94.50
Fee split
AED 5.50
Built for every role
Role-first views that answer the hard questions.
Incremental lift, settlement integrity, and evidence in one console.
Programme Owner
Funding captured, not chased.
Merchant
No invoices. No chasing. Just paid.
Partner (Landlord)
Rent paid on time, with proof.
Acquirer
Cleaner statements. Fewer disputes.
Scheme
Programmable settlement on existing rails.
How it works
Same payment. Different outcome.
First: what changes. Second: what Visa does.
Rules attached to money
1. Define agreements
Who gets paid from your sales: suppliers, landlords, programmes, partners. Set terms once.
2. Transactions happen
Customers pay by card as normal. Nothing changes for them or the merchant experience.
3. Payout splits + proof
Everyone gets paid in the normal payout cycle. Every split has a receipt. Refunds unwind automatically.
How Visa fits in
Visa does three things. SettleMate does the rest.
BEFORE
PAYMENT DAY (T0)
NEXT DAY (T+1)
BEFORE
Agreement in SettleMate
PAYMENT DAY (T0)
Visa processes as usual
Merchant sales list
Fee line item
NEXT DAY (T+1)
Fee payout
Pay everyone (T+1)
VISA DOES 3 THINGS
Send merchant sales list
Accept fee line item
Send fee payout
SETTLEMATE HANDLES THE REST
Agreements
Eligibility
Split + payouts
Receipt packs
Deterministic linkage
Every injected fee links back to the original transaction.
Symmetric unwinds
Refunds and chargebacks unwind every split automatically.
Bounded surface
File-first, fail-safe, settlement to the Principal Member endpoint.
Built-in safety
Governance, circuit breakers, and evidence on every line item.
Caps
Approvals
Pause switch
Proof packs
Refunds unwind
No PAN storage