> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Settlement Details

> You can view details regarding your settlement cycle and next settlement date on the Dashboard.

## View Settlement Details

To view settlement details:

<Steps>
  <Step title="Step 1">
    Log in to the Dashboard.
  </Step>

  <Step title="Step 2">
    Click **Account & Settings** and navigate to **Settlement details** under **Business accounts and settlements** section.
  </Step>

  <Step title="Step 3">
    You can view the following information:

    * **Settlement Details**: Click **View Settlement Cycle** to view default and other settlement cycles.
    * **Available Balance**: After the deduction of fees and tax, the payments received from your customers are added to your Available Balance.
    * **Next Settlement**: Date and time of next settlement.
  </Step>
</Steps>

## Segregated Balances

If you are an omni-channel business (using both Payment Gateway and POS) or a cross-border business, your balances are **segregated by channel type (Online (Domestic transactions + International Cards), In-person and Alternate Payment Method (International))**. This ensures complete fund isolation and regulatory compliance.

### Types of Segregated Balances

Razorpay maintains separate balances based on your payment channels:

## Channel Type | Description | Transactions Included | Additional Details

## Online (Domestic transactions + International Cards) | Domestic online payments and international card transactions | PG domestic transactions (cards, UPI, netbanking and wallets), international card payments | Supports Instant Settlements.

## In-Person | POS terminal transactions | All POS/offline transactions | POS device rentals are automatically collected from this balance. Operates independently from online transactions.

Alternate Payment Method (International) | Balance from international payment methods such as PayPal, Stripe and other cross-border payment methods | International bank transfers, cross-border payments via supported APM providers | Settled separately from domestic balances. Subject to forex conversion and international settlement timelines.

### View Channel-Wise Balances

To view your segregated balances:

<Steps>
  <Step title="Step 1">
    Log in to the Dashboard.
  </Step>

  <Step title="Step 2">
    Navigate to **Account & Settings → Settlement details**.
  </Step>

  <Step title="Step 3">
    You will see balance cards for each channel type such as:
  </Step>
</Steps>

* **Online (Domestic transactions + International Cards)**: Balance from domestic online payments and international card transactions.
* **In-Person**: Balance from POS terminal transactions (all POS/offline transactions).
* **Alternate Payment Method (International)**: Balance from international bank transfers.

Each balance card displays:

* Current available balance.
* Next settlement date and amount.
* Settlement cycle applicable to that balance.

### How Segregated Settlements Work

With balance segregation:

* Each channel type (Online (Domestic transactions + International Cards), POS, Cross-border) maintains its own isolated balance.
* Settlements are processed separately for each balance account.
* Refunds and chargebacks are debited only from the respective channel balance.
* Instant Settlements can be enabled independently for each balance account.

<Info>
  **Handy Tips**

  Balance segregation ensures that your POS settlements never fail due to online refunds consuming your funds and vice versa. Each channel operates independently.
</Info>