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Sold vs settled statement map
GuideSold vs settled statement mapBack to article
Public cash stages. CRM paid is not bank deposit. Reserve is withheld, not a fee.
| Stage | What it means | Spendable? | Where you see it |
|---|---|---|---|
| Authorized / CRM paid | Issuer approved; not a deposit | No | CRM paid, gateway auth |
| Captured | Batch submitted for settlement | No | Gateway capture / batch |
| Settled (gross) | Acquirer settled the window before holds | Not yet | Processor statement settlement |
| Withheld / reserve | Hold from settlement against later risk | No — hold, not a fee | Reserve / hold line on statement |
| Fees deducted | Discount, auth, assessments, named junk | Gone | Fee lines on the same statement |
| Net to bank | What hit the checking account | Yes | Bank deposit for that window |
| CRM paid ≫ bank | Gap across the stages above | Do not bid the gap | Same-window CRM export vs bank |
Read which stage the number is in. CRM paid is not bank cash. Reserve is withheld, not a fee. This table is the map. Fee dollars for the exhibit are fee waterfall.
Pairing procedure: Sold is not settled is not in the bank. Topic: Payments.
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