> **Description:** Understand how Vipps MobilePay transfers funds to your bank account, settlement schedules, and how to identify which payments make up a bank transfer.

# Payouts and settlements

After a payment is captured, Vipps MobilePay batches your transactions and transfers the funds to your bank account through a settlement process. This section explains how that process works, how to read your bank statement, and how to trace individual payments back to a specific bank transfer.

## How settlements work

* **[Settlements](https://developer.vippsmobilepay.com/docs/knowledge-base/settlements.md)** - Understand the full settlement process: payout schedules (daily, weekly, or monthly), how long transfers take, how to read your bank reference text, and how to find which payments make up a specific bank transfer.

## Key concepts

| Term | Description |
|------|-------------|
| **Capture** | Confirms a payment and makes it eligible for settlement. Funds are not moved until a payment is captured. |
| **Settlement** | The process of batching captured payments and calculating the amount owed to you for a settlement period. |
| **Payout** | The actual bank transfer from Vipps MobilePay to your account -- one lump sum per sales unit per settlement period. |
| **Settlement report** | A file containing the details of every payment included in a payout, available via the [Report API](https://developer.vippsmobilepay.com/docs/APIs/report-api/README.md) or the [business portal](https://portal.vippsmobilepay.com). |

## Settlement timeline

The time from capture to money in your bank account depends on your settlement frequency and your bank's processing times. For daily settlements, a typical timeline is:

1. **Day 1** -- Payment is captured.
2. **Day 2** -- Settlement is calculated at midnight and settlement data is made available.
3. **Day 3** -- Payout is sent to your bank. Your bank may book it on the next banking day.

See [Settlements](https://developer.vippsmobilepay.com/docs/knowledge-base/settlements.md) for full details, including weekly and monthly schedules.

## Need help?

If you have questions about a specific bank transfer or payout, visit the [business portal](https://portal.vippsmobilepay.com) to view your settlement reports, or check our [contact page](https://developer.vippsmobilepay.com/docs/contact.md) for support options.

> **Full site overview:** For every page in this documentation, read [https://developer.vippsmobilepay.com/llms.txt](https://developer.vippsmobilepay.com/llms.txt).