T+1 arrives at the account the next day: general merchants and most merchants arrive at the account in the mode of T+1, that is, they arrive at the account the next day, which is the time stipulated by the bank and the time when most merchants swipe their cards at POS machines. It usually arrives after 3 pm. Among them, "T" stands for trade, which refers to the trading day and business day. As in POS clearing business, UnionPay settlement is on legal working days such as Monday to Friday, and weekends and holidays do not belong to T day (trading day); +1 "means the next day/working day.