Use this article to understand when Kustom pays out your captured orders, how your payout schedule works and why a payout may arrive later than expected.
Overview
Kustom offers flexible payout schedules: daily, weekly or monthly, with different payout delays. Regardless of the customer’s payment method or currency, all captured orders are paid out to your registered bank account according to your configured payout schedule. You can request a change to your payout schedule if it no longer fits your business.
Key components of your payout schedule
Your payout schedule is defined by three main factors:
Capture interval. This is the timeframe in which captured orders are grouped into a single payout. A daily payout schedule has a 1-day capture interval and a weekly payout schedule has a 7-day capture interval.
Payout delay. This is the number of days between the order being captured and the payout being initiated. Refunds and reversals are included in your next settlement and have no delay.
Payout day. This is the specific day of the week when payouts are issued, based on your payout schedule.
Payout timeline example
This is how a payout is processed step by step:
The order is captured.
The payout delay begins the following business day.
The payout is initiated on the next scheduled payout day after the delay.
Important: Payout schedules follow business days. If a payout is due on a weekend or a bank holiday, it is processed on the next business day. Holidays and bank processing times can also delay when the payout appears in your account.
Understanding daily payouts
For merchants with daily payouts, funds become available on the next business day after capture. The table below shows when funds from a daily payout schedule become available, depending on the day the order was captured:
Capture day | Funds available |
Thursday | Friday |
Friday | Monday |
Saturday, Sunday | Monday |
This behaviour is tied to business days:
If an order is captured over the weekend, funds are available on Monday.
If a bank holiday falls on a weekday, it works like a weekend day and the payout moves to the next business day.
Bank holidays and their impact on payouts
Kustom does not process payouts on bank holidays. A bank holiday works like a weekend day, so a payout that falls on a bank holiday is processed on the next business day instead.
The bank holidays that apply to your payouts are the official bank holidays in the country where your company is registered. For example, if your company is registered in Sweden, Swedish bank holidays apply. If your company is registered in Norway, Norwegian bank holidays apply.
Periods where payouts are commonly delayed by bank holidays include:
Christmas and New Year, from Christmas Eve to New Year’s Day.
Easter, from Maundy Thursday or Good Friday to Easter Monday.
Ascension Day and Whitsun in May or June.
Midsummer in June.
National days, such as 17 May in Norway or 6 June in Sweden, when they fall on a weekday.
If you expect a payout around a holiday, check your bank’s holiday calendar for the exact dates in your country, and plan for the payout to arrive on the first business day after the holiday.
How to view your next payout
You can find the estimated date and amount of your next payout in the Kustom Portal, under Settlements. The amount includes any adjustments, such as refunds processed before the payout is settled.
Kustom aims to display your Next Payout as early as possible. In some cases it only appears on the same day the payout is issued. This can happen when returns or adjustments affect your settlement report and need to be accounted for before the final amount is shown.
A payout can take 2 to 3 business days to show up in your bank account after Kustom initiates it. Cross-border payouts can take additional days.
Steps to view your next payout:
Sign in to the Kustom Portal.
Go to Settlements in the menu to the left.
Your upcoming payout is listed under Next Payout.
If no payout is visible yet, check again later the same day or the following day. You can also see all scheduled payouts in Upcoming payouts.