Settlement times may not be instant. This is due to the applicable jurisdiction, payment rail used, cross-border nature of a transaction, settlement protocols, processing windows, and banking infrastructure involved, and may take up to seven days. You can review the settlement times for the different payment rails available: • SEPA & SEPA Instant (EUR): usually instant, up to 3 business days. • ACH (USD): a few hours up to 4–5 business days.