> For the complete documentation index, see [llms.txt](https://support.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.xplorpay.com/transactions-batches-deposits/deposit-options.md). # Deposit options Understand settlement options, split funding, and bank account configurations. Choose how Xplor Pay deposits transaction funds and collects processing fees. ### Choose a settlement option #### Daily settlement Daily settlement, also called daily net settlement, deducts processing fees from your daily transaction activity. Your bank account receives the net deposit amount. This option supports pay-as-you-go processing and reduces your month-end balance. Xplor Pay withdraws authorization fees, monthly fees, and equipment charges a few days after month-end. #### Gross settlement Gross settlement pays your daily transaction amount before processing fees. Your daily deposit equals sales minus credits. Xplor Pay withdraws processing fees, authorization fees, monthly fees, and equipment charges a few days after month-end. ### Understand split funding Merchant funding providers can finance business needs based on your daily processing activity. Repayment terms depend on your funding arrangement. You might repay an advance through daily ACH debits. You can also repay it using part of your daily credit card processing. This arrangement is sometimes called a Merchant Cash Advance with Split Funding. With split funding, Xplor Pay deducts a designated percentage from your daily deposit and sends it to the funding provider. This percentage is usually 30% or less. After you repay the advance, your funding provider contacts Xplor Pay. Xplor Pay then turns off split funding. ### Use multiple bank accounts Split settlement lets you receive deposits in one bank account and pay fees from another. You can designate up to three bank accounts for different purposes: * **Deposits:** Transaction funds * **Fees:** Daily and monthly fees * **Chargebacks:** Chargebacks and other settlement adjustments You can use one account for every purpose. You can also use one account for two purposes and another for the remaining purpose. For example, you can receive deposits in one account and pay fees and chargebacks from another. This option can help organizations with bank account debit restrictions. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://support.xplorpay.com/transactions-batches-deposits/deposit-options.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.