POS machine credit card clearing: What exactly does T+1, T+0, D+0 mean?
We often hear that different payment companies always say T+1, T+0 and D+0 when they promote their business. So what do you mean? Xiaobian is here to explain to everyone, I hope to help everyone.
Day d refers to the nature day, including weekends and holidays.
t day refers to the trading day, weekends and holidays do not belong to t day (transaction day)
The meaning of +0 means that the fund clearing time is the same day.
The meaning of +1 means that the fund clearing time is the second day of the trading day.
In the UnionPay card payment acceptance service, the T+0 settlement business nails will transfer the settlement funds of Party B to the settlement account designated by Party B on the day of the UnionPay card transaction, and collect the special settlement processing business of the relevant service fees.
At present, it is more popular in the industry to carry out this business by means of joint investment by the payment agency. The purpose is to standardize the risks of the agents developing the merchants, and at the same time maximize the win-win situation, and the choice is greater than the effort.
Similarly, individual institutions have a T+0 settlement service through the means of collecting and paying business, which reduces the pressure on the exchange mechanism of the acquirer. Be sure to choose a box with a teardown protection function to pay for the POS to avoid illegal criminals drilling holes.
Xiaobian reminds all friends that weekends and holidays do not belong to t-day. The popular one is the amount of transactions on Friday and Saturday. If it is T+1 product type, the arrival time is next Monday. It is also necessary to explain that UnionPay accumulates the transaction settlement amount on Friday and Saturday on Monday, and even encounters major holidays such as May 1st, 11th, New Year's Day and Spring Festival, and the settled settlement amount is very large. So sometimes the funds will be delayed on Monday, please be patient and wait a little.
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