# Operations

> Settlement, reconciliation, monitoring, and daily operational processes.

## Settlement

VINR settles funds to your bank account on a regular schedule:

| Plan     | Settlement Frequency | Delay                  |
| -------- | -------------------- | ---------------------- |
| Standard | Daily                | T+2 business days      |
| Fast     | Daily                | T+1 business days      |
| Instant  | On-demand            | Same day (fee applies) |

Settlement reports are available in the dashboard and via API.

## Reconciliation

Match VINR transactions with your internal records:

1. **Download settlement report** (CSV/JSON via dashboard or API)
2. **Match by reference** — Use `metadata.orderId` or payment ID
3. **Verify amounts** — Account for fees and currency conversion
4. **Flag discrepancies** — Report within 30 days

## Monitoring & Alerts

Configure alerts in **Dashboard → Settings → Notifications**:

- Payment failure rate exceeds threshold
- Settlement delay detected
- Webhook delivery failures
- Dispute opened
- Account balance below threshold

## Dashboard

The VINR Merchant Dashboard provides:

- **Real-time transaction feed** — Live payment status
- **Analytics** — Conversion rates, payment method breakdown, geographic distribution
- **Financial reports** — Settlement summaries, fee breakdowns, tax reports
- **Team management** — Role-based access for your team