# Getting Paid

### Overview

 This guide will cover the following:

* Disbursement Mechanism
* Refund Process

#### Disbursement Mechanism

All payments are accumulated daily and disbursed to your registered bank account at H+1 Working day. All Settlements will happen on **Working Days.** Hence There will be **no settlements** on **Saturdays**, **Sundays**, and **Public Holidays**. 

For any refund scenario, the daily accumulation of refunds deducts the daily total payment, so you do not need to create an outbound transfer to Indodana. If the total refund amount is higher than the total payable amount, the remaining amount is carried over to the disbursement process for the next day.\
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**Refund Process**

There are two ways to refund the transaction:

a. Automatic (using the provided refund API)

b. Manual (using the merchant dashboard)

Some required information like Refund Amount, Order ID, and [Cancellation Reason](https://indodana.gitbook.io/indodana-paylater/integrations/direct-api#purchase-transaction-cancellation-refund) needs to be sent to Indodana.

The status of the refunded transaction will become “Cancelled”. The invalid contracts and cancellation notifications will be automatically sent to your buyer. A transaction can only be canceled within 30 calendar days after the transaction was created. 

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