Troubleshooting Settlement & Payout Delays
Amwal automatically reconciles and transfers collected funds directly to your verified Saudi corporate bank account (IBAN) via the SARIE interbank network. If your payout has not arrived as expected, review this diagnostic guide.
1. Settlement Schedule: T+2 / T+3 Business Days
Installment and card transactions follow a standard T+2 to T+3 Saudi banking business day settlement timeline:
- Banking Days: SARIE settlements process Sunday through Thursday.
- Weekends & Holidays: Transactions processed on Thursday settle on Monday. Saudi National Day, Founding Day, and Eid public holidays shift settlements to the next working banking day.
2. Unverified Corporate IBAN or Expired CR
Symptom
Settlement status in the Merchant Portal displays PENDING_IBAN_VERIFICATION or CR_EXPIRED.
Root Cause
Saudi Central Bank (SAMA) financial regulations mandate that payouts be transferred exclusively into a verified Saudi corporate bank account whose title matches the business name on your Commercial Registration (CR).
Resolution
- In the Amwal Merchant Portal, navigate to your store settings.
- Ensure your Corporate IBAN starts with
SAfollowed by 22 digits (SAxxxxxxxxxxxxxxxxxxxxxx). - Upload an official bank certificate or stamped statement verifying account ownership.
3. High-Value Order SAMA Compliance Review
- Transactions exceeding anti-money laundering (AML) velocity thresholds may undergo an automated safety review (typically resolved within 2 to 24 hours).
- Ensure your store order fulfillment status is updated to
DeliveredorShippedwith valid courier tracking numbers.
4. Downloading Settlement Proofs & VAT Invoices
To retrieve SARIE bank transfer references and official tax invoices for your accounting team:
- Navigate to Statements & Reports in the Merchant Portal.
- Select the payout batch ID (e.g.
SET-981240). - Click Export PDF to retrieve the official ZATCA-compliant electronic tax invoice with statutory 15% VAT breakdown and cryptographic QR code.
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