Balance & payouts
Understand your available and pending balance, how settlement works, and how you get paid to your bank.
This page explains the journey from "a customer paid me" to "the money is in my bank account."
Your balance
The dashboard shows two numbers:
- Available — funds that have been confirmed (settled) by the provider and are ready to be paid out to your bank.
- Pending — funds from completed payments that are still in escrow, waiting for the provider's settlement report to arrive and be reconciled.
Why “available” is a gross figure
Your available balance is shown before vendor fees, which are deducted at settlement. Treat it as a gross figure — the net amount that reaches your bank is slightly lower. The dashboard labels this clearly and shows the typical fee per provider.
How settlement works
Settlement is how ShadhinPay confirms that money the provider said moved actually did move:
- The provider sends a daily settlement report.
- ShadhinPay matches each line against your payments.
- Matched funds move from pending to available.
Only settled funds are eligible for payout — this protects you and us from paying out money the provider hasn't actually transferred yet.
Getting paid: payouts
On your settlement cycle, ShadhinPay batches your available balance and sends it to your registered bank account via BEFTN.
- Cycles — T+1, T+2 (the default), T+3, or weekly. "T" is the business day a payment completed.
- Business days — exclude Friday/Saturday weekends and government holidays in Bangladesh, so payout timing accounts for the local calendar.
- Minimum threshold — a payout only runs once your eligible balance clears a minimum amount set for your business.
What's deducted
The amount that reaches your bank is your gross settled amount minus:
| Deduction | What it is |
|---|---|
| Vendor fee | The provider's own fee, passed straight through (typically ~1.5–2%) |
| Platform fee | ShadhinPay's fee — see Quota & billing |
| AIT (source tax) | Withheld on the platform-fee portion only, per NBR rules |
| VAT | Withheld on the platform-fee portion only |
| Refund claw-backs | Refunds of payments that were already paid out in a prior cycle |
Plus or minus any manual adjustments (corrections applied by the ShadhinPay team, always itemised).
Settlement statements
For every payout you get a statement you can view and download as a PDF. It breaks down gross settled, each fee and tax, refunds applied, adjustments, the net amount, and the bank account it went to (last four digits). This is your record for accounting and reconciliation.
Custom-mode payments
If a provider is in Custom mode, the provider settles directly to your own account — that money never passes through ShadhinPay, so it won't appear in your ShadhinPay balance or payouts.