🇦🇺Australia
Settlement Delays Post-Authorization
2 verified sources
Definition
Authorization places temporary holds but settlement occurs later, tying up merchant cash flow.
Key Findings
- Financial Impact: AUD 1-3 days delay per transaction; 1.3B NPP payments worth AUD 1.5T processed 2022-23 indicate scale
- Frequency: Daily across all card transactions
- Root Cause: Batch settlement vs real-time NPP alternatives
Why This Matters
The Pitch: Mail order retailers in Australia delay AUD 500K+ in working capital monthly. Automation via NPP/PayTo real-time payments eliminates this drag.
Affected Stakeholders
Finance Teams, Order Fulfillment
Deep Analysis (Premium)
Financial Impact
Financial data and detailed analysis available with full access. Unlock to see exact figures, evidence sources, and actionable insights.
Unlock to reveal
Current Workarounds
Financial data and detailed analysis available with full access. Unlock to see exact figures, evidence sources, and actionable insights.
Unlock to reveal
Get Solutions for This Problem
Full report with actionable solutions
$99$39
- Solutions for this specific pain
- Solutions for all 15 industry pains
- Where to find first clients
- Pricing & launch costs
Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Verlorene Umsätze durch versäumte oder schlecht bearbeitete Chargeback‑Einsprüche
Quantified: Typical Australian SME reports 0.5–1.5 % of card turnover as chargebacks in card‑not‑present retail; with poor dispute management, 50–80 % of disputable cases are lost by default. For an online retailer with AUD 10 million annual card sales, this equates to ~AUD 50,000–150,000 of chargebacks, of which 25–75 % (AUD 12,500–112,500) is avoidable revenue leakage from missed/weak disputes. Each chargeback also attracts a fee (commonly AUD 20–40 per case, per acquirer pricing), adding several thousand AUD annually.
Hohe Personalkosten durch manuelle Bearbeitung von Chargeback‑Fällen
Quantified: Typical handling time per chargeback case is 30–90 minutes of skilled staff time (finance or disputes analyst) at an effective fully loaded cost of ~AUD 40–60 per hour. For an online retailer receiving 30–50 chargebacks per month, this equates to ~15–75 labour hours/month, or AUD 7,200–54,000 per year in internal processing cost. In peak periods or without tooling, overtime and error rework can push effective cost 20–30 % higher.
Customs Duty Calculation Errors
AUD 50-152 Import Processing Charge (IPC) per declaration over AUD 1,000 + 5% duty overpayment on CIF value (e.g., AUD 500+ on AUD 10,000 shipment)
GST Overpayment on Imports
10% GST on overstated taxable value (e.g., AUD 1,500 overpayment on AUD 15,000 landed cost error)
Missed FTA Duty Concessions
5% duty on full CIF value (e.g., AUD 500 on AUD 10,000 eligible shipment)
AML/CTF Non-Compliance Fines
AUD 1.1M - 22M per breach (based on historical AUSTRAC enforcement)
Request Deep Analysis
🇦🇺 Be first to access this market's intelligence