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How to Integrate Needed Field Settlement

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Transactions with the Submitted for Settlement status (also known in the payments' industry as captured or capturing) indicate that the process of removing money from the customer's account has been initiated.
The time that it takes for a merchant who accepts a credit card as payment until the time the funds are deposited into the merchant's bank account can vary depending on the type of merchant account the business owner uses. Typically, a payment can take anywhere from 24 hours up to three days to process the payment.
After 24 hours, they get hit with a surcharge. After 72 hours, they get another. Authorizations also expire. For some cards it's 30 days, others 7.
Deposits can take even longer to happen at times, in part because the bank wants to ensure that the funds are good. They won't know that the funds are good until the money actually arrives, so many banks will hold deposits for up to 5 business days at times. So be aware of that, and know what your bank's policy is.
However, it can take one to two days for account balances to be updated. Payments sent by mail can take five to seven days to be processed, with an additional five-day delay in some cases.
Settled payment generally refers to the transfer requests that have been completed successfully. Hence, the payment has been settled for any payment request simply meaning the money has been transferred.
Settlement Payment means the transfer, or contractual undertaking (including by automated clearing house transaction) to effect a transfer, of cash or other property to effect a Settlement. Settlement Payment means an Up Settlement Payment or a Down Settlement Payment, as applicable.
A settlement bank is the last bank to receive and report the settlement of a transaction between two entities. It is the bank that partners with an entity being paid, most often a merchant. As the merchant's primary bank for receiving payment, it can also be referred to as the acquiring bank or the acquirer.
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