Settled late

Settled after the T+n window (open), ₹70,858.56. Rule stage4.settlement_window; 19 record(s).

₹70,858.56Awaiting settlementopen28 Oct 2026settlement setl_8IF1PDkVOI9EPW

Explanation

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

LLM · openai/gpt-oss-120b

The settlement was received one business day later than the allowed T+N window for card payments.

18 card payments were due by 2026-10-27 but the settlement containing them was posted on 2026-10-28, exceeding the 2‑business‑day window by one day. The engine flagged this as a TIMING_WINDOW_EXCEEDED exception. The total amount involved is ₹70,858.56 as shown in the settlement record.

Recommended action

Escalate to the payment gateway to review the delay and ensure future settlements meet the agreed SLA.

No review requiredConfidence 100%· Cites 2 evidence ids, all verified to be in the bundle

Evidence records

Read-only source records involved in this exception.

Settlementsetl_8IF1PDkVOI9EPW

utr: SBINN26301692529
amount: ₹70,858.56
settled at: 2026-10-28
created at: 2026-10-28T09:00:00+05:30
item count: 19
fee total: ₹1,651.16
gst total: ₹297.24

Paymentpay_7IpdYGXRUbKtLG

order id: order_hjN9mPZ5LgOCww
amount: ₹999.00
method: card
status: captured
captured at: 2026-10-23T07:26:19+05:30

Paymentpay_QxOK4yx7Jmqg3s

order id: order_hgF4BtQDTJ46Fk
amount: ₹33,073.00
method: card
status: captured
captured at: 2026-10-23T07:28:08+05:30

Paymentpay_hYNjxkranZv76V

order id: order_pwwd1RmRidypfi
amount: ₹1,499.00
method: card
status: captured
captured at: 2026-10-23T08:38:06+05:30

Paymentpay_E4cQKPKfBHbTAT

order id: order_JD1p6PfvXjCYnC
amount: ₹2,999.00
method: card
status: captured
captured at: 2026-10-23T08:39:49+05:30

Paymentpay_unxd2IIJFZnZQq

order id: order_QquopOvTMI0e4t
amount: ₹1,499.00
method: card
status: captured
captured at: 2026-10-23T10:42:46+05:30

Paymentpay_ZFEr4nKp2WHNWH

order id: order_IG2guLs3nYYTMh
amount: ₹392.00
method: card
status: captured
captured at: 2026-10-23T11:41:53+05:30

Paymentpay_Ba5QVvLuU677jn

order id: order_VRyYIQ7SqyTouO
amount: ₹2,771.00
method: card
status: captured
captured at: 2026-10-23T12:26:24+05:30

Paymentpay_zrekys6Xb2ypkQ

order id: order_WgjX3sDl0aQZuL
amount: ₹297.61
method: card
status: captured
captured at: 2026-10-23T14:17:24+05:30

Paymentpay_TDxWWTiUFkA8VX

order id: order_rVKEml1Ziy0pZn
amount: ₹145.00
method: card
status: captured
captured at: 2026-10-23T14:27:19+05:30

Paymentpay_ciFlGBZYoQ551z

order id: order_6uGRrqUyDkMPFy
amount: ₹30,387.44
method: card
status: captured
captured at: 2026-10-23T15:07:43+05:30

Paymentpay_lqxLRExpaq6QCv

order id: order_GxQnUxIo2qs3nB
amount: ₹200.00
method: card
status: captured
captured at: 2026-10-23T15:32:38+05:30

Paymentpay_CRbH5YWvrN2mpo

order id: order_Z74ASvSaXuAXbf
amount: ₹107.05
method: card
status: captured
captured at: 2026-10-23T15:40:38+05:30

Paymentpay_sE0EsIgs75v4uG

order id: order_DO8Bi2UIKebpcA
amount: ₹499.00
method: card
status: captured
captured at: 2026-10-23T16:12:17+05:30

Paymentpay_QzZZpkndaK6MDq

order id: order_S56frzRNkBoQc1
amount: ₹440.00
method: card
status: captured
captured at: 2026-10-23T16:14:22+05:30

Paymentpay_RSSIfRSK8Tx2Wv

order id: order_efKLLD1ko18CZ4
amount: ₹999.00
method: card
status: captured
captured at: 2026-10-23T17:24:50+05:30

Paymentpay_XSjNGw32EnfYvf

order id: order_6RKKqRHii1k2tK
amount: ₹2,999.00
method: card
status: captured
captured at: 2026-10-23T19:07:12+05:30

Paymentpay_w68cF1a7JoyiB7

order id: order_DSmiF07NGbJgt9
amount: ₹252.86
method: card
status: captured
captured at: 2026-10-23T19:22:25+05:30

Paymentpay_wYJPjzdfwiLcxQ

order id: order_eTYAajFqxJRyOJ
amount: ₹2,999.00
method: card
status: captured
captured at: 2026-10-23T20:33:45+05:30

Rule trace

The deterministic rule that fired and what it saw.

{
  "rule": "stage4.settlement_window",
  "windows_business_days": {
    "card": 2
  },
  "earliest_due_date": "2026-10-27",
  "settled_at": "2026-10-28",
  "max_business_days_late": 1,
  "late_payments": 18
}

Audit history

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

llminvestigation2026-11-03 10:28:36 UTC
source=llm · model=openai/gpt-oss-120b · review_policy_applied=false
systemjournal draft2026-11-03 10:28:56 UTC
applicable=false · reason=TIMING_WINDOW_EXCEEDED needs a matching decision, not a journal entry