Settlement & Closeout
Funding evidence and closeout evidence complete the lane after the immediate payment result.
Closeout requirements
Merchant funding, refunds or returns, and batch completeness can arrive on different schedules. StableNexus treats those outputs as one closeout surface so the merchant can rely on a single normalized completion state.
The same artifact families apply even when report layouts or callback formats differ across lanes.
Artifact families
Payment result record
Immediate payment result normalized for merchant operations.
- Owned by
- Acceptance participant plus StableNexus
- Used for
- Accepted or rejected payment state
- Typical contents
- Transaction identity, status, and amount context
Settlement evidence
Funding-facing evidence that confirms merchant credit or settlement progress.
- Owned by
- Settlement participant
- Used for
- Funding confirmation and funding timing
- Typical contents
- Settlement state, value date, and merchant credit context
Refund or return record
Post-payment adjustments tied back to the original lane identity.
- Owned by
- Acceptance or settlement role, depending on the lane
- Used for
- Return, refund, or reversal visibility
- Typical contents
- Adjustment state, reason, and linkage to the original payment
Close pack
The normalized closeout output that says the lane is complete enough for reporting and issue handling.
- Owned by
- Reconciliation service plus StableNexus
- Used for
- Reporting, exception handling, and operational completion
- Typical contents
- Settlement completeness, exception state, and closeout readiness
FAQ
When is a payment operationally complete?
Operational completion requires more than an accepted payment result.
The lane is complete when funding evidence and closeout evidence are both available for the payment or batch.
Why are exact report fields not listed here?
The required artifact families stay the same across lanes.
Field layouts and transport details can vary by lane.
Can the recovery path use something other than a callback?
Yes. The recovery path can be a status query, a report, a batch output, or another participant-owned evidence surface.