> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Settlement

> Once both the merchant and the payment network are ready, they proceed with settlement. The merchant notifies the network of the amount to be transferred, and the network settles the balance with the card issuer. The network may adjust the amount the merchant can request based on prior authorization. The card issuer then marks the funds as posted for the user.

<Columns cols={2}>
  <Card title="Rain-managed" href="/docs/settlement-rain-managed">
    The Rain-managed settlement process finalizes authorized transactions, moves funds, and releases authorization holds once the settlement is complete.
  </Card>

  <Card title="Partner-managed" href="/docs/settlement-partner-managed">
    In the Partner-managed settlement process, your system manages authorization holds and posts transactions after receiving settlement webhooks from Rain.
  </Card>
</Columns>