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# Settlements Overview

Settlements enable you, the partner, to receive detailed transaction reports by region.

Each day, all transactions from merchants onboarded via the same settlementContractId are aggregated together into a net settlement amount, settled to your bank account. Afterpay creates a corresponding settlement report. This settlement report contains all the transactions associated with that settlement day.

Settlement contracts are country and currency specific. These contracts can only be associated with onboardings of the same country and currency.

> **Note**
>
> Afterpay will provide a net Settlement process, deducting Refunds and Dispute amounts from Settlement amounts.

Afterpay delivers funds to you, the partner, for all unsettled eligible transactions before a designated cutoff time. The Settlement process follows the Federal Reserve calendar for availability. This means that Settlement is not available on Saturdays, Sundays, and holidays.