Payout Schedule

OnePay operates on a T+2 payout cycle, you receive your payout two bank working days after the transaction date. Weekends and public holidays are not counted.

Payout Holds & Delays

In certain circumstances, OnePay may place a hold on your payout. This is done to protect both merchants and cardholders and to comply with card network regulations. Held payouts are released once the underlying issue is resolved.

Transaction Lookup

The Transaction Lookup API gives you a real-time settlement breakdown for any individual OnePay transaction. Given a transaction ID, it returns the exact net amount received, the commission rate and amount that was deducted, the final settlement amount credited to your account, and the precise date and time that settlement occurred.

This is the endpoint to use when you need to verify exactly what was paid out for a specific transaction, whether you are reconciling a payout report, investigating a discrepancy with your finance team, or building an automated reconciliation pipeline inside your ERP or accounting system.

Code examples

$tx_id = 'WQBV118E584C83CBA50C6'; // stored at checkout time
$ch    = curl_init(
    'https://api.onepay.lk/v3/payout/transaction/?onepay_transaction_id=' . $tx_id
);
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER     => [
        'Authorization: YOUR_APP_TOKEN',
        'Content-Type: application/json',
    ],
]);
$res = json_decode(curl_exec($ch), true);

// Use for reconciliation
$settlement = $res['data']['settlement_amount'];   // what hit your bank
$commission = $res['data']['commission_amount'];   // MDR deducted
$settled_on = $res['data']['settlement_date'];    // when it was settled

echo "Settled: LKR {$settlement} on {$settled_on} (MDR: {$commission})";

Understanding the amounts

The three amount fields form a simple equation you can use to verify every settlement:

Transaction List

The Transaction List API retrieves a paginated list of all settlement transactions within a specified date range. Use this to pull your full payout history for any period, ideal for building automated reconciliation pipelines, generating finance reports, and auditing settlement activity at scale without downloading reports manually from the dashboard.

Unlike the single Transaction Lookup endpoint which requires a known transaction ID, this endpoint lets you query by date range and page through all results, making it the right tool for period-end reconciliation, month-close accounting processes, and any scenario where you need to process multiple settlements in bulk.

Pagination

The API uses page-based pagination. The data.count field tells you the total number of records, use it to calculate how many pages you need to fetch to get the complete dataset for your date range.

For example: count = 322 with page_size = 20 means Math.ceil(322/20) = 17 pages. Loop from page=1 to page=17 to retrieve all records.

Code examples

// Fetch all transactions for April 2026 — auto-paginated
function fetchAllTransactions($start, $end, $token) {
    $all  = [];
    $page = 1;

    do {
        $url = "https://api.onepay.lk/v3/payout/transactions/"
             . "?start_date={$start}&end_date={$end}&page={$page}&page_size=100";

        $ch = curl_init($url);
        curl_setopt_array($ch, [
            CURLOPT_RETURNTRANSFER => true,
            CURLOPT_HTTPHEADER     => ["Authorization: {$token}"],
        ]);
        $res  = json_decode(curl_exec($ch), true);
        $data = $res['data'];
        $all  = array_merge($all, $data['results']);

        $total_pages = ceil($data['count'] / 100);
        $page++;
    } while ($page <= $total_pages);

    return $all;
}

$txns = fetchAllTransactions('2026-04-01', '2026-04-28', 'YOUR_APP_TOKEN');

// Reconciliation — tally settled vs pending
$settled = array_filter($txns, fn($t) => $t['settlement_date'] !== null);
$pending = array_filter($txns, fn($t) => $t['settlement_date'] === null);
$total_settled = array_sum(array_column($settled, 'settlement_amount'));

echo "Settled: " . count($settled) . " txns | LKR {$total_settled}\n";
echo "Pending: " . count($pending) . " txns (next payout cycle)\n";

Reading settlement_date: null

A null settlement date is not an error, it simply means the transaction has been captured but not yet included in a payout transfer. This will happen for transactions that fall within your date range but whose T+2 settlement date has not yet passed, or transactions currently under a payout hold.