Settled late

Settled after the T+n window (open), ₹56,376.79. Rule stage4.settlement_window; 16 record(s).

₹56,376.79Awaiting settlementopen12 Oct 2026settlement setl_rvqbNFSIHPDkx7

Explanation

Generated from the read-only evidence below. It never changes a match or a record.

LLM · openai/gpt-oss-120b

The settlement was processed later than the allowed T+N business‑day window for netbanking payments.

The 15 netbanking payments were due by 2026-10-07 but the settlement record (setl_rvqbNFSIHPDkx7) shows they were settled on 2026-10-12, which is three business days late. This exceeds the configured window of 2 business days, triggering a TIMING_WINDOW_EXCEEDED exception. The engine flags this as a delay against the gateway's settlement SLA.

Recommended action

Log the delay and follow up with the payment gateway to ensure compliance with the settlement SLA.

No review requiredConfidence 99%· Cites 2 evidence ids, all verified to be in the bundle

Evidence records

Read-only source records involved in this exception.

Settlementsetl_rvqbNFSIHPDkx7

utr: AXISN26285816626
amount: ₹56,376.79
settled at: 2026-10-12
created at: 2026-10-12T09:00:00+05:30
item count: 15
fee total: ₹1,095.72
gst total: ₹197.25

Paymentpay_KB0GTK9Krvqkan

order id: order_jht2HhakRgDO7j
amount: ₹386.00
method: netbanking
status: captured
captured at: 2026-10-05T07:53:59+05:30

Paymentpay_0ZIpyOa5ggXqPD

order id: order_Go561uBuIVeLQp
amount: ₹343.49
method: netbanking
status: captured
captured at: 2026-10-05T10:26:07+05:30

Paymentpay_4ikAJqSEBRwwwU

order id: order_0PqaEnrpLrhtfw
amount: ₹981.00
method: netbanking
status: captured
captured at: 2026-10-05T10:55:53+05:30

Paymentpay_44VXi9GEdMliRT

order id: order_lbLP0m8aZIKtj9
amount: ₹11,532.20
method: netbanking
status: captured
captured at: 2026-10-05T11:33:36+05:30

Paymentpay_gCtuJtwMR9wvhP

order id: order_uDsLKTrtKefcqL
amount: ₹999.00
method: netbanking
status: captured
captured at: 2026-10-05T12:06:47+05:30

Paymentpay_U2o4ExIvk9ZKdz

order id: order_h6Shj718PJg8yu
amount: ₹119.00
method: netbanking
status: captured
captured at: 2026-10-05T13:25:03+05:30

Paymentpay_Rl18kdoanpLKRA

order id: order_W2tEsuFD5dKcPX
amount: ₹999.00
method: netbanking
status: captured
captured at: 2026-10-05T13:41:23+05:30

Paymentpay_n702kmW4Lm2s9a

order id: order_wdZt8zymYQkaC0
amount: ₹2,879.34
method: netbanking
status: captured
captured at: 2026-10-05T14:03:00+05:30

Paymentpay_yYDwvq0FRSix6h

order id: order_v2E0ssITFLyYGv
amount: ₹199.00
method: netbanking
status: captured
captured at: 2026-10-05T14:35:21+05:30

Paymentpay_96Nqm4TukVcgTb

order id: order_nxHEN3GxdwVifZ
amount: ₹4,432.00
method: netbanking
status: captured
captured at: 2026-10-05T14:54:54+05:30

Paymentpay_xgdoeTcyAZb4xd

order id: order_0nM8XUyczIELY3
amount: ₹8,345.85
method: netbanking
status: captured
captured at: 2026-10-05T15:27:04+05:30

Paymentpay_RzEcuMd8VdQfg8

order id: order_y0Y0gzExUlEgUm
amount: ₹999.00
method: netbanking
status: captured
captured at: 2026-10-05T15:27:21+05:30

Paymentpay_muoyf78ROsaz1A

order id: order_bDSL7N72DY6i2a
amount: ₹2,050.00
method: netbanking
status: captured
captured at: 2026-10-05T17:18:48+05:30

Paymentpay_xtfSg1dXjzff0N

order id: order_x9j8Ds4xAYn1Uo
amount: ₹23,252.00
method: netbanking
status: captured
captured at: 2026-10-05T21:05:04+05:30

Paymentpay_En48ueejPWalsg

order id: order_2t66URFsWcBhny
amount: ₹152.88
method: netbanking
status: captured
captured at: 2026-10-05T23:52:57+05:30

Rule trace

The deterministic rule that fired and what it saw.

{
  "rule": "stage4.settlement_window",
  "windows_business_days": {
    "netbanking": 2
  },
  "earliest_due_date": "2026-10-07",
  "settled_at": "2026-10-12",
  "max_business_days_late": 3,
  "late_payments": 15
}

Audit history

Append-only. Actor: system, llm or human.

llminvestigation2026-11-03 10:30:02 UTC
source=llm · model=openai/gpt-oss-120b · review_policy_applied=false
systemjournal draft2026-11-03 10:30:22 UTC
applicable=false · reason=TIMING_WINDOW_EXCEEDED needs a matching decision, not a journal entry