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Settlement

What each provider says they sent, and whether it arrived.

Gross
LKR 4,943,800
Provider fees
LKR 95,590
1.93% effective
Net
LKR 4,848,210
Outstanding
LKR 911,971
providers still owe us

2 batches marked settled but not ticked against the bank. “Settled” means the provider says they paid. It is not the same as the money being in the account - confirm on the statement before you count it.

BatchDateProviderTxnsGrossFeesNetProvider status
sb-220715 Jul 2026eZ Cash (Dialog)142LKR 1,842,000LKR 33,156LKR 1,808,844settled
sb-220615 Jul 2026mCash38LKR 402,500LKR 7,648LKR 394,852settled
sb-220515 Jul 2026Visa / Mastercard51LKR 688,200LKR 18,093LKR 670,107pending
sb-220415 Jul 2026FriMi24LKR 246,800LKR 4,936LKR 241,864partial
sb-220314 Jul 2026eZ Cash (Dialog)138LKR 1,764,300LKR 31,757LKR 1,732,543settled
Tick the left column when you see the money on the bank statement. That tick is yours, not the provider's - it is the difference between “they say they paid” and “we have it”.

Chase list

Not settled and worth a phone call

FriMi - LKR 241,864 partial since yesterday

Stated cycle is T+1 and we are past it. Same provider that lacks pre-auth and is throwing capture failures - three separate problems pointing at one integration. Worth raising as one conversation, not three tickets.

Visa / Mastercard - LKR 670,107 pending

T+2 acquirer. Due tomorrow. Do not chase this one - it is behaving exactly as contracted.

Fee comparison

Effective rate by provider

eZ Cash (Dialog)1.80%
mCash1.90%
Visa / Mastercard2.63%
FriMi2.00%

Cards cost the most per shilling and settle slowest, but they are also the only method with a real dispute process. Cheapest is not automatically best - mobile money is faster and cheaper right up until something goes wrong.