Settlements

Settlements are transfers on Solana that happen after a payment is confirmed by the provider.

How Settlements Work

1. Customer completes payment → provider confirms success
2. Payment status changes to PROCESSING
3. The settlement worker calculates the amounts:
   • Relay net — Fee revenue for the Relay
   • Client send — Client's share of the payment
   • Referral fees — If applicable, split to referrer wallets
4. Funds are transferred from the Relay's wallet to the Client's wallet
5. Payment status changes to COMPLETED

Fee Structure

For each payment processed through your provider, you earn a fee. The fee percentage is configured per provider and is deducted from the payment before settlement.

Example for a $100 domestic card payment with 7% fee (provider: 2.9% + $0.30):

• Payment: $100
• Provider fee: $3.20 (2.9% + $0.30)
• Your fee: $7.00 (7%)
• Your net profit: $3.80 — difference between your fee and provider + settlement costs
• Client receives: $93.00
• Settlement: $93.00 sent from your wallet to the Client's wallet on Solana

Wallet Balance

Your wallet balance consists of:

• Balance — Current balance on-chain (source of truth)
• Pending — Reserved amount for in-progress payments

Available balance = Balance - Pending

The pending amount is reserved when a payment is created and released when it completes or fails.

Wallet Transactions

The Deposit page shows your wallet's transaction history:

Each transaction shows the Solana transaction signature, amount, and timestamp.