Card Transaction Times

Card Transactions Settlement Cut-off Time

The settlement cut-off for card transactions is 20:00 UTC. Card transactions completed before 20:00 UTC are included on that day's settlement. Card transactions completed after 20:00 UTC are included on the next day's settlement.

Note that in the live environment, Circle typically processes settlement for all card transactions 3 to 4 business days after the transaction was completed. At that point, a lump sum containing the proceeds from all applicable card transactions is tokenized into USDC and credited to your Circle wallet.

Card Refund Times

It typically takes 5 to 10 business days for a refunded card payment to appear as a credit on the card holder's account. Please note that Circle initiate these transactions immediately, but when exactly they are credited depends on the card networks and issuing banks.