The T+1 (Speed) settlement model means that funds from successful transactions are paid out to the client one business day after the transaction is authorized or paid by the end user.
How it works
All transactions are grouped by calendar day (00:00–23:59, UTC-6).
Each day’s total is settled on the next business day.
Transactions made on Friday, Saturday, or Sunday are settled together on Monday, due to banking non-business days.
Daily Breakdown
Monday to Thursday
Transactions completed during the day
👉 Settled the following day
Example:
Transactions on Tuesday → Paid on Wednesday
Friday
Transactions completed on Friday
👉 Settled on Monday
Weekend (Saturday & Sunday)
Transactions completed during the weekend
👉 Settled on Monday
Why some days settle on Monday
Banks and payment rails do not process settlements on weekends.
As a result:
Friday, Saturday, and Sunday transactions are accumulated
Paid together on Monday
What “Speed” means
Faster access to cash compared to standard T+2 or T+3 models
Improves:
Cash flow
Operational liquidity
Reinvestment speed for merchants
Key Takeaways
T+1 = Next business day settlement
Cutoff: 23:59 UTC-6
Weekend transactions settle on Monday
Designed for high-volume and high-performance businesses
Only applicable for SPEI.
