After a successful payment, your funds are settled by the licensed partner that executed the transaction (Mobile Money operator, bank or regulated payment institution). Simiz is a non-custodial orchestrator: it routes the transaction, tracks it and reconciles it, but never holds your funds.

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Who holds the funds

Collected funds move from the customer wallet to the licensed partner, then to you, according to the rules that apply in each corridor. At no point do they pass through a Simiz account.

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When will I receive my funds

The settlement delay depends on the partner that executed the payment and on the corridor (country, currency, payment method). Each operator applies its own payout cycle. Simiz does not set this delay and does not advertise a single duration valid everywhere. To know the actual situation of your funds:
  1. Open the Simiz dashboard — the transaction moves to COMPLETED once the customer payment is confirmed by the operator.
  2. Check your balance and reconciliation reports to track the settlements executed by the partner.
  3. The agreement binding you to the partner (or your Simiz plan) states the payout cycle that applies to your corridor.
A COMPLETED payment means the customer paid and the operator confirmed it. The effective settlement to your account follows the licensed partner’s payout cycle.

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Tracking your settlements

  • Dashboard: the Transactions section shows the status of every collection; reports let you match settlements against transactions.
  • API: GET /v1/transactions returns the status and amounts of each transaction to feed your own reconciliation.

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Next steps