Settlement Overview
Clarify Systems handles all payment processing and settlement between buyers, merchants, and AI platforms. We ensure secure, compliant, and timely fund transfers.
Payment Flow
1. Authorization
When a buyer confirms a purchase, we authorize the payment on their selected payment method. Funds are held but not yet transferred.
2. Capture
Once the merchant confirms the order and ships the product, we capture the authorized funds. For digital goods, capture happens immediately.
3. Settlement
Funds are settled to the merchant's account according to their payout schedule (daily, weekly, or monthly). Standard settlement is T+2 business days.
4. Reconciliation
Detailed reports are available in your dashboard showing all transactions and payouts. Export data for your accounting systems.
Refunds
Refunds follow standard e-commerce practices. Merchants can issue full or partial refunds through their dashboard or API.
Full Refunds
The entire purchase amount is returned to the buyer's original payment method.
Partial Refunds
For partial returns or price adjustments, merchants can refund specific amounts. The buyer sees the refund within 5-10 business days.
Chargebacks
In case of disputes escalated to chargebacks, Clarify Systems provides transaction evidence and facilitates resolution. Explicit confirmation requirements help reduce dispute rates.
Dispute Handling
Most disputes are resolved directly between buyers and merchants. Clarify Systems provides:
- Transaction records and confirmation logs
- Mediation support for complex cases
- Clear audit trail for all parties
- Integration with merchant dispute management systems