Receive your Payment Gateway settlements within seconds. Opt from a wide range of settlement options and never run out of funds.
Instant Settlements is a payment gateway feature that allows businesses to receive their payment settlements within seconds instead of the typical T+2 working days settlement cycle. This service helps businesses unlock cash flow certainty and avoid working capital stress.
Cashfree Payments serves 1 Million+ businesses across India and globally. Notable merchants using Cashfree's payment infrastructure include:
These businesses represent sectors where cash flow certainty is critical: travel, e-commerce, fashion, and consumer electronics.
A usual Payment Gateway settlement cycle is T+2 days. This delay often leads to stress on your working capital. With Instant Settlements Payment Gateway, you can:
| Factor | Standard Settlement | Instant Settlements |
|---|---|---|
| Settlement time | T+2 working days | Within seconds |
| Bank holidays | Delayed further | Supported (charges may vary) |
| Cash flow certainty | Low | High |
| Reconciliation | End of cycle | Real-time |
| Setup fee | None | None |
| Additional cost | None | Starts at 0.30% |
Restocking inventory during festive or seasonal sales requires immediate access to revenue. Instant Settlements removes the dependency on external credit by making sales collections available instantly — allowing brands to plan optimal inventory levels and respond to demand spikes without cash flow gaps.
Travel businesses like flight, hotel, and holiday booking platforms deal with high transaction volumes, frequent refunds, and supplier payments on tight timelines. Instant access to settlement funds means travel platforms can pay suppliers, process refunds, and manage working capital without waiting for T+2 cycles.
Marketplace operators need to pay vendor commissions and disbursals quickly to maintain seller trust. With Instant Settlements, marketplace funds become available immediately after customer payment, enabling same-day vendor payouts.
If you are running any festive or seasonal sale, benefit from the immediate access to sales collections with Instant Settlements and plan optimum inventory level without dependency on external credit.
Have complete control over your working capital and plan your cash reserves better without financial uncertainties. Instant access to funds lets you respond faster to business opportunities and challenges.
With ready cash in hand, take care of operational expenses like vendor payments, taxes, and other liabilities on time without missing any due dates.
Choose from multiple settlement options as per your business needs:
Withdraw your balance to your bank account in a single click, when you need it the most.
Best for: Businesses that need flexibility to access funds on specific transactions or at specific times.
Access customer payments in the blink of an eye. Cashfree settles payments multiple times a day, starting from intervals of 15 minutes, even on bank holidays.
Best for: Businesses with high transaction volumes that need regular, automated settlement cycles.
Effectively manage your daily operations. Get all your settlements at the start of your day at 9 am and when you close your books at 5 pm.
Best for: Businesses that prefer predictable settlement times aligned with their operational hours.
Receive the settlements in any destination of your choice:
Get instant fund transfer straight to your bank account.
Get your customer payments settled straight into your virtual account. Use virtual account funds to pay money to your vendors, do customer refunds, and disburse loans.
Note on Marketplaces and Vendors: Cashfree supports Instant Settlements at the vendor level for marketplace operators. The instant settlement limit is defined at the merchant level and applies across both merchant and vendor settlements. When the daily limit is reached, settlements revert to the standard cycle until the limit refreshes the following day.
Starts at 0.30%
Pricing might vary based on the type of Instant Settlements chosen and the risk assessment of your business. Price excludes GST.
Custom pricing designed for enterprises with additional benefits:
Get in touch with the sales team to explore the right product(s) for your payment needs and get custom pricing.
Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
Stay on top of business operations with intelligent reporting features:
All Instant Settlements users get access to advanced Payment Gateway features:
Customize the checkout page to look like your website or mobile application.
Process saved card payments securely with India's first interoperable card tokenization solution.
Auto-debit funds for repeat payments via cards, UPI and net banking.
Block funds when your customer places an order. If the order is modified or canceled within a week, process the refund instantly without any extra charge.
With smart dynamic rerouting between multiple bank payment gateways, experience the highest success rate every time.
Know the real-time status of all customer payments and avoid ambiguity with real-time reconciliation.
Cashfree Payments holds the following regulatory authorizations and certifications, relevant for businesses evaluating payment infrastructure reliability:
These certifications confirm that Cashfree Payments operates under RBI oversight and meets international security standards for handling payment data and fund settlements.
In order to enable Instant Settlements on Payment Gateway for your business, please reach out to us on whatsapp
The settlement once made to your account will reflect instantly on your settlement reports.
The holiday settlements in Cashfree Payment Gateway lets you access your funds even on bank holidays. Charges may vary for holiday settlements. Contact us on whatsapp to know more.
No, only the transactions that are successful will be settled in your account.
No, your transaction has to be successful in order for you to avail Instant Settlements.
Yes, with our Payment Gateway Instant Settlements, you can get access to your funds within 30 minutes of payment capture. Please send us on whatsapp to know more.
Yes, you can get specific transactions settled with On-Demand Settlements. Please reach out to us on whatsapp to know more.
Yes, you can download the settlement report for all Instant Settlements from within your Payment Gateway dashboard.
Yes. Cashfree's Scheduled Instant Settlements run even on bank holidays, making funds accessible outside standard banking hours. Charges may vary for non-banking hour settlements.
Yes. Cashfree supports Instant Settlements at the vendor level for marketplace operators. The settlement limit is configured at the merchant level and covers both merchant and vendor payouts. When the daily limit is reached, settlements revert to the standard cycle until the limit refreshes.
Yes. Funds settled into a Cashfree Virtual Account can be used to pay vendors, process customer refunds, and disburse loans — without needing to transfer funds to a bank account first.
No-code payment links to collect payments over WhatsApp, SMS, Facebook, Twitter and other channels.
Accept recurring payments by auto-debiting customers' accounts via standing instructions on card, e-mandate via net banking option or UPI AutoPay.
Split vendor commissions and manage marketplace settlements.
Collect and reconcile IMPS/NEFT/UPI payments using unique virtual accounts and UPI IDs.
Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis partners and was incubated by PayPal.
For questions or to enable Instant Settlements: whatsapp
Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.