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Payout Schedule, Batch Cycles & Operational SLA

To ensure predictable financial disbursements for sellers while maintaining strict security checks and fraud prevention controls, BDX.market operates a scheduled twice-weekly payout processing model.

This document details the batch processing schedule, automated triggers, administrative workflow SLAs, and operational guidelines governing seller payouts.

1. The Twice-Weekly Payout Cycle​

Rather than processing withdrawals ad-hoc minute-by-minute—which introduces high banking transaction overhead and security risks—BDX aggregates verified seller withdrawal requests into twice-weekly processing batches.

Official Processing Windows​

 Weekly Payout Batch Schedule
 ├── Monday Batch Execution    : Cutoff Monday 10:00 AM BDT
 └── Thursday Batch Execution  : Cutoff Thursday 10:00 AM BDT
Cycle DayBatch Cutoff TimeTarget Disbursement WindowSupported Channels
Monday BatchMonday 10:00 AM BDTMonday Afternoon – Tuesday 5:00 PM BDTbKash, Nagad, Rocket, BEFTN Bank
Thursday BatchThursday 10:00 AM BDTThursday Afternoon – Friday 5:00 PM BDTbKash, Nagad, Rocket, BEFTN Bank

Note: Payout requests submitted after Monday 10:00 AM BDT automatically roll into the Thursday processing batch.

2. Automated Triggers & Order Auto-Completion​

BDX utilizes scheduled system automation to monitor pending payout queues and manage order escrow clearing:

  • Batch Notifications: Automated alerts notify operations staff on Monday and Thursday mornings to process pending withdrawal queues promptly.
  • Order Auto-Completion: Delivered orders older than 7 days without open buyer disputes auto-complete daily. Auto-completion releases order funds into the seller's available balance so they become eligible for the next payout batch.

3. Operations Service Level Agreement (SLA)​

BDX establishes explicit processing SLAs for seller transparency:

 Payout Timeline SLA
 ├── 1. Request Submission  : Seller submits payout request
 ├── 2. Batch Processing    : Within 1-2 business days (Monday / Thursday cycle)
 ├── 3. Transfer Execution  : Support staff execute transfer via MFS/Bank and mark paid
 └── 4. Funds Receipt       : MFS (Instant - 2 hrs), Bank Transfer (24-48 hrs BEFTN)

Turnaround Times by Channel​

  • Mobile Financial Services (bKash, Nagad, Rocket): Once processed during a batch window, funds reflect in the seller's MFS account within 1 to 2 hours.
  • Bank Transfers (BEFTN): Transfers authorized on Monday clear by Tuesday afternoon. Transfers authorized on Thursday clear by Sunday morning (accounting for Bangladesh Bank weekend holidays on Friday/Saturday).

4. Ledger Reconciliation & Security Audits​

To ensure financial stability and verify that wallet balances match transaction histories without discrepancy, regular automated reconciliation audits verify:

  • Every payout debit corresponds to an authorized, completed payout request.
  • Total debited funds never exceed total verified earnings.
  • Any unlinked or suspicious transactions are flagged for immediate compliance review.

5. Holidays & Emergency Schedule Adjustments​

Bangladeshi Public Holidays​

BDX financial operations observe official Bangladesh Bank holidays (such as Eid-ul-Fitr, Eid-ul-Adha, and national holidays).

  • During major holidays, bank transfers (BEFTN) are paused by the central banking network.
  • Mobile Financial Services (bKash/Nagad/Rocket) payouts continue to operate where support staff are on duty.
  • Announcements regarding holiday payout adjustments are posted to the Seller Dashboard prior to affected batch dates.
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