The daily settlement is where the day’s transaction information is uploaded to Smartpay. Smartpay will then transfer funds to your BCU Business Access Account on the next business day. Once the settlement has occurred, anything processed after this time will be included in the next business day’s settlement. Most terminals are set to an automatic settlement time of between 21:31 and 23:30 AEST. You can request a different settlement time for card payments only by calling Smartpay on 1800 433 876.