Every Settlement Day

Every business day, Breeze runs a three-step settlement process on your account.

Settlement day arrives

Breeze evaluates your total Settlement Balance accumulated since the last settlement.

Funds from Mon settled by Thu (T+3)

Escrow top-up (priority)

If Payout Escrow is below the Minimum Balance, funds are allocated to bring it back up first. User withdrawals are always protected.

Top-up = Minimum Balance − Current Escrow

Merchant settlement

The remaining balance is deposited to your bank. If the top-up consumed all funds, no settlement is made that day.

Your settlement = Settlement Balance − Escrow top-up

Worked example

	Amount
Settlement Balance (available)	$68,450
Payout Escrow — current	$48,000
Payout Escrow — required (Minimum Balance)	$75,000
Top-up needed	$27,000
You receive	$41,450

Calculation: $68,450 − $27,000 top-up = $41,450 settled to your bank

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What if Settlement Balance isn't enough?
The escrow top-up takes full priority. All funds go to the Payout Escrow and no merchant settlement is made that day. See Settlement FAQ for more scenarios.