> ## Documentation Index
> Fetch the complete documentation index at: https://docs.swipelux.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Settlement timing

> Understand what controls pay-in settlement timing and how to track each transfer until it reaches a final state.

## Settlement timing

Do not estimate a pay-in's completion time from its payment method alone. Bank cutoffs, non-business days, provider processing, and required customer actions can all affect timing.

Swipelux does not publish one fixed SLA for every pay-in capability. Confirm any contractual timing requirement with Swipelux for the customer's enabled capability and operating countries.

### Choose an available capability

Retrieve the customer's capabilities and select one that supports the intended pay-in. Use the returned capability `data.id` as the `capabilityId` when you create a quote.

Do not hard-code a list of payment methods. Swipelux can add methods over time, and availability can differ by customer.

See [capabilities and tasks](/integration/onboarding/capabilities-and-requirements) for the readiness flow. Then follow [receive funds](/integration/receive-funds) to create and execute the quote.

### Track the transfer

After execution, read [`GET /v3/transfers/{transferId}`](/api-reference/money-movement/get-v3-transfers-by-transfer-id). Treat the latest `data.state` as the source of truth.

Inspect `data.stateDetail` and `data.openTaskIds` when a transfer needs attention. Subscribe to [webhooks](/integration/webhooks) and keep the status synchronized until the transfer reaches an outcome your product handles.

Do not mark a transfer complete from an expected schedule. Show customers the current transfer state instead.


## Related topics

- [KYB workflow](/knowledge-base/business-onboarding/kyb-workflow.md)
- [Business onboarding FAQ](/knowledge-base/business-onboarding/faq.md)
- [KYC status and workflow](/knowledge-base/individual-onboarding/status-and-workflow.md)
- [Issue a bank account](/integration/issue-bank-account.md)
- [Errors and retries](/integration/errors.md)