---
title: "How ROLLER Payments handles settlements, payouts and refunds"
slug: "how-roller-payments-handles-settlements-payouts-and-refunds"
updated: 2026-06-19T09:20:08Z
published: 2026-06-19T09:20:08Z
canonical: "mysupport.roller.software/how-roller-payments-handles-settlements-payouts-and-refunds"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://mysupport.roller.software/llms.txt
> Use this file to discover all available pages before exploring further.

# How ROLLER Payments handles settlements, payouts and refunds

Regardless of the payment method, each payment goes through the same basic status sequence. This article explains the typical lifecycle of a transaction using ROLLER Payments online or in venue.

![Payments_lifecyle_-_v1.png](https://cdn.us.document360.io/23700755-951c-4b69-8afe-ec8b33c6c689/Images/Documentation/360005457995.png)

## Payment request submitted

The first state in a payment lifecycle is when a payment request is **Submitted.**

A guest presents their payment details either in person or online and this information passes to the issuing bank (the guest's bank). This payment request results in an **Authorized** or **Failed** status.

## Settled

**Authorized** transactions are **settled** at midnight CET daily; however depending on the payment method your guests use, this can take **up to 2 days** after authorization.

**Settled** means the financial institution has transferred the funds to your ROLLER Payments account.

> [!NOTE]
> For funds that have been authorized but **not** yet settled in your ROLLER Payments account, see **Pending settlement** in the [ROLLER Payments performance dashboard.](/v1/docs/track-payouts-and-trends-with-the-roller-payments-dashboard)

## Payout initiated (or funds paid out)

Once settled in your ROLLER Payments account, and ready for payout, **payouts are initiated** daily between 3 AM and 10 AM local time.

Once payout is initiated (last payout), it can take **0 to 2 business days depending on your banking provider** for the funds to clear and become available in your bank account.

> [!NOTE]
> See **Ready for payout** and **Last payout** in the [ROLLER Payments performance dashboard](/v1/docs/track-payouts-and-trends-with-the-roller-payments-dashboard).

![](https://cdn.us.document360.io/23700755-951c-4b69-8afe-ec8b33c6c689/Images/Documentation/6636884823951.png)

## Refunds, chargebacks and disputes

**Refunds** to the guest can be issued after funds have **settled** or been **paid out**.

A [**chargeback**](/v1/docs/manage-chargebacks-with-roller-payments) is a transaction that is challenged or disputed by a cardholder or card-issuing bank.

The amount of the chargeback (including chargeback fee) is withdrawn **from your ROLLER Payments account** until the dispute is cleared.

If you successfully defend a chargeback (and win) this results in **Chargeback reversed**.

## Learn more

- [Manage chargebacks with ROLLER Payments](/v1/docs/manage-chargebacks-with-roller-payments)
- [ROLLER Payments reports overview](/v1/docs/roller-payments-reports-overview)
- [Use the ROLLER Payments performance dashboard](/v1/docs/track-payouts-and-trends-with-the-roller-payments-dashboard)

## Related

- [ROLLER Payments reports overview](/roller-payments-reports-overview.md)
- [ROLLER Payments: Know your customer (KYC)](/roller-payments-know-your-customer-kyc.md)
- [Track payouts and trends with the ROLLER Payments dashboard](/track-payouts-and-trends-with-the-roller-payments-dashboard.md)
- [ROLLER Payments reserve levels](/roller-payments-reserve-levels.md)
- [About ROLLER Payments](/about-roller-payments.md)