the arrival time of credit card swiping is different according to the different acquirers of POS machines. Generally, the T+1 arrival mode is adopted, that is, swiping the card on the same day will arrive before noon on the next working day.

In order to attract merchants to handle their POS machines, individual acquiring institutions adopt the mode of real-time receipt or same-day receipt.

That is, after the cardholder swipes the card, the acquiring institution will advance the money, which will be paid to the merchants in real time or in batches on the same day, and then the card-issuing bank will make up the money after capital settlement arrives the next day.