Account-to-account
A direct bank-to-bank payment, without a card network in between. Eligible funds can reach your business account sooner.
FOR BUSINESS · BUILT IN THE UAE
Instant Settlement
for Businesses.
Faster access to the funds you’ve earned.
Eligible account-to-account funds can reach your business account within minutes. Card payments typically settle within 24 hours, with a licensed payment provider looking after settlement.
Less waiting Licensed-provider settlement Dashboard visibility
Your business. Your next little step.
TYPICAL SETTLEMENT · ELIGIBLE FUNDS
Within minutes.
Direct bank-to-bank payments can reach your business account within minutes, under the provider’s terms.
OUT Customer checkout Licensed provider Business account
A timing guide. Actual timing depends on eligibility, provider terms and banking cut-off times.
WHAT IS INSTANT SETTLEMENT?
The checkout is complete.
Your funds come next.
Instant Settlement helps your business receive eligible transaction funds sooner, instead of waiting through a traditional multi-day settlement cycle.
The exact timing follows how your customer paid. A licensed payment provider carries out authentication, processing and settlement. KanzPay orchestrates checkout and gives you clear visibility into where each settlement stands.
Processing and settlement are different steps.
Processing authenticates and clears the transaction. Settlement gets the resulting funds to your business account.
Typically within minutes
Card payments
Card-network and issuing-bank authorisation and clearing come first. The licensed provider then settles the eligible funds.
Timing depends on the payment method, transaction eligibility, licensed provider’s terms and banking processes.
HOW DOES INSTANT SETTLEMENT WORK?
From their checkout
to your business account.
Four clear steps, with a licensed payment provider handling the financial journey.
Their checkout is complete.
Your customer completes their purchase through KanzPay by account-to-account, card or another supported method.
01 / 04
An illustrative journey. No payment or transfer is made in this preview.
BENEFITS OF INSTANT SETTLEMENT
A little less waiting.
A steadier business day.
Faster access to eligible funds can make everyday planning feel a little easier.
A steadier cash flow
Get faster access to eligible funds, so everyday expenses are easier to plan around.
A little less waiting
Eligible A2A funds typically settle in minutes, shortening the wait after checkout.
Faster card settlement
Card payments typically settle within 24 hours, after the required authorisation and clearing.
Working capital, within reach
Put available funds to use sooner, instead of waiting through a longer settlement cycle.
Keep commitments moving
Faster access makes supplier, staff and operational payments easier to schedule.
A clear view of every settlement
See transaction and settlement status in your KanzPay dashboard, in one place.
Built around business cash flow, from daily expenses to your next supplier payment.
INSTANT SETTLEMENT VS TRADITIONAL SETTLEMENT
A clearer view
of the wait.
Timing varies by provider and payment method. Here is how the typical journeys compare.
| At a glance | KanzPay Instant Settlement | Traditional settlement |
|---|---|---|
| Eligible A2A funds | Typically within minutes* | Depends on the provider’s cycle |
| Eligible card-payment funds | Typically within 24 hours* | Often several business days* |
| Settlement visibility | Status in your KanzPay dashboard | Varies by provider |
| Who settles the funds | A licensed payment provider | A licensed payment provider |
| Suitable for SMEs | ✓ Yes, for eligible transactions | Yes |
*Actual timing depends on payment method, transaction eligibility, the applicable licensed provider’s terms, banking cut-off times and provider processes. This is a typical timing comparison, rather than a guarantee for every transaction.
Your business
has things
to look forward to.
has things
to look forward to.
INSTANT SETTLEMENT FOR UAE BUSINESSES
For the businesses
keeping every day moving.
From busy counters to online orders, predictable access to eligible revenue supports the decisions you make every day.
Retail businesses
Keep cash flow moving across frequent daily transactions.
Restaurants & cafés
Plan around faster settlement during your busiest days.
Ecommerce businesses
A clearer path to eligible revenue from online orders.
Small & medium businesses
A little more certainty for everyday business decisions.
Service businesses
For salons, spas, clinics and other digital-payment businesses.
KANZPAY PAYMENT & SETTLEMENT SOLUTIONS
The checkout is
just the beginning.
Instant Settlement is part of the same commerce platform, connecting checkout, customer value and clear business visibility in one journey.
Checkout Solution
A connected checkout that makes accepting eligible payments simpler.
A little more to exploreTap & Pay Solution
Customers tap or scan a K-Tag, with no dedicated POS terminal at checkout.
A little more to exploreScan & Go Solution
Let customers scan, review and check out from their own phone.
A little more to exploreAI Checkout
Recognise eligible card offers, Gold Reward comparisons and loyalty at checkout.
A little more to exploreSECURE, LICENSED SETTLEMENT
Your checkout, connected.
Your settlement, with
a licensed provider.
The provider authenticates, processes and settles funds under its own regulatory and security standards. KanzPay connects the experience and keeps eligible settlement status visible.
The platform is designed to align with applicable regulatory requirements in its operating markets. Banking processes and provider terms can affect timing; your dashboard helps you understand where each transaction stands.
A licensed partner handles the funds
The actual financial processing and settlement are carried out by the applicable licensed payment provider.
Business verification comes first
Your business completes verification before accepting KanzPay checkout.
A clear status, transaction by transaction
View each transaction and its settlement status in your KanzPay dashboard.
Your business journey starts here.
Register your business and complete verification. Eligible transactions then settle according to the applicable licensed provider’s terms.
YOUR QUESTIONS, MADE SIMPLE
A little clarity
goes a long way.
From the way your customer pays to when funds reach your account, here are the details that help you plan.
What is instant settlement?
It helps your business receive eligible transaction funds sooner. A2A funds can reach your business account within minutes; card payments typically settle within 24 hours. Timing depends on the licensed provider and banking processes.
What is instant settlement in the UAE?
For UAE businesses, it means faster access to eligible checkout funds, with a licensed payment provider carrying out settlement. The payment method, provider terms and banking cut-off times determine the actual timing.
How does instant payment settlement work?
Your customer completes checkout, the licensed partner authenticates the transaction, and eligible funds enter settlement. The provider transfers the funds to your business account; KanzPay shows you the settlement status.
How quickly can my business receive the funds?
Eligible A2A funds typically arrive within minutes. Card payments typically settle within 24 hours. Transaction eligibility, provider processes and banking cut-off times can affect timing.
Who can use instant settlement?
Verified businesses accepting eligible payments through KanzPay, including retail stores, restaurants, cafés, ecommerce businesses, SMEs and service businesses.
Is it available for SMEs in the UAE?
Yes. The solution is designed for UAE businesses of different sizes, including SMEs, subject to business verification and the applicable provider’s terms.
How is it different from traditional settlement?
Traditional settlement often follows a fixed, multi-day cycle. Eligible KanzPay A2A funds can arrive within minutes, and card payments typically settle within 24 hours. Actual timing varies by provider and payment method.
Does every transaction qualify?
Eligibility and timing can vary with the payment method and the licensed provider’s processing terms. Your dashboard shows the status of each transaction, rather than one blanket timing promise.
Are there any requirements?
Your business needs to complete verification. Settlement follows the payment method, transaction eligibility, licensed provider’s terms and relevant banking cut-off times.
How can I activate it with KanzPay?
Register your business and complete verification. Eligible transactions then settle according to the applicable licensed payment provider’s terms.
Is settlement the same as payment processing?
Payment processing authenticates and clears a transaction through the relevant bank, card network or provider. Settlement is the subsequent transfer of the resulting funds to your business account. A licensed provider handles those financial activities; KanzPay connects checkout and status visibility.
A few useful terms, made simple
- Instant Settlement
- KanzPay’s term for faster access to eligible transaction funds, compared with a traditional multi-day settlement cycle.
- Settlement
- The transfer of transaction funds from the licensed payment provider to your business account.
- Payment processing
- Authentication and clearing by the relevant card network, bank or payment provider. This precedes settlement.
- Account-to-account (A2A) payment
- A payment directly from your customer’s bank account to your business account, without a card network in between.
- Card settlement
- The movement of card-payment funds to your business account after authorisation and clearing by the card network and issuing bank.
- Settlement cycle
- The schedule on which the payment provider transfers transaction funds to your business.
START WITH KANZPAY
Your next business day
could feel a little
Faster, more predictable access to eligible funds. A licensed provider handling settlement. A clear view of where your money stands.
Built with heart, from the UAE.