# Net settlement

https://www.uniwebpay.com/glossary/net-settlement/

*Last updated: 2026-08-03*

Paying a merchant their sales less the fees, as one figure, rather than paying the full amount and invoicing the fees separately. Both arrangements exist and neither is better in itself — but they produce very different books, so it is worth knowing which one a quote assumes before comparing it to another.

## Why it matters to a merchant

Establish which arrangement a quote assumes before comparing it to another one, because the two produce different-looking books from identical economics. It also decides what your bookkeeper has to do: under net settlement the fees are visible only in the reporting, so the reporting has to be good enough to pull them out as their own figure.

## Related terms

*What it costs, and what gets measured*

- [MDR (merchant discount rate)](https://www.uniwebpay.com/glossary/mdr/)
- [Interchange](https://www.uniwebpay.com/glossary/interchange/)
- [GMV (gross merchandise value)](https://www.uniwebpay.com/glossary/gmv/)
- [Merchant account](https://www.uniwebpay.com/glossary/merchant-account/)
- [Effective rate](https://www.uniwebpay.com/glossary/effective-rate/)
- [Per-transaction fee](https://www.uniwebpay.com/glossary/per-transaction-fee/)
- [Blended rate](https://www.uniwebpay.com/glossary/blended-rate/)
- [Interchange-plus](https://www.uniwebpay.com/glossary/interchange-plus/)
- [Cross-border interchange](https://www.uniwebpay.com/glossary/cross-border-interchange/)
- [Rolling reserve](https://www.uniwebpay.com/glossary/rolling-reserve/)
- [Surcharge](https://www.uniwebpay.com/glossary/surcharge/)

- [All 74 terms](https://www.uniwebpay.com/glossary/)

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