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No manual work here. We settle your transactions automatically. If a payment happens today, the money hits your account tomorrow (T+1 working day) between 4:00 – 6:00 PM.

Note: You don’t need to submit invoices or withdraw funds.

GST applies only to the MDR fee, not the full transaction amount.

Here is an example:

• Transaction: ₹1,000
• MDR (3%): ₹30
• GST (18% of ₹30): ₹5.40

You’ll see these charges broken out in your settlement report.

The acquiring bank sets the FX rate. We don’t control it.

• By default, payments are settled in the cardholder’s local currency (MCC).
• Customers can choose another currency at checkout (DCC).

You’ll see real-time payment alerts on your dashboard.

• Successful
• Failed
• In-process

Additionally we will also send you an email and Whatsapp notification.

Even after settlement, disputes can happen. Here’s how it works:

1. Chargeback
2. Pre-arbitration
3. Arbitration (if needed) If the customer claims fraud (e.g., product not delivered), we may recover the funds from your future settlements.

⚠️ Funds already settled in your account won’t be pulled back, but they can be adjusted against future payouts. There’s no cooling-off period, but fraud checks protect both sides.

The system auto-initiates a refund.

• You’ll see the status in real-time on your dashboard.
• The client’s bank usually reverses the charge within T+5 working days.

It doesn’t; you still receive your payment minus:

• MDR (e.g., 3% = ₹30)
• GST on MDR (e.g., ₹5.40)

➡️ Final settlement: ₹964.60

Any fees charged by your client’s bank (like a 2% card fee) are between them and their bank.

DCC (Dynamic Currency Conversion) is a process where the Winvesta user raises funds in a foreign currency and then incurs an FX (foreign exchange) charge when converting it to INR. This FX charge typically ranges between 2-5%, depending on the provider.

On the other hand, MCC (Merchant Currency Conversion) is when the Winvesta user raises funds in INR, and the overseas client (payer) bears the FX charge when sending funds from their bank. The FX charge here varies from bank to bank but typically falls between 2-5%.

MCC is inherently better for Winvesta users since it passes the FX charge onto the end payer (the overseas client), meaning the Winvesta user does not have to bear the cost of currency conversion.