01
Restaurants
Delivery platforms each report their own numbers on their own schedule, against counter takings that close nightly.
Where the pressure appears
Collect→
Settle
Connected to the same flow→
Solutions
Four stages.
One connected
money flow..
From the moment money arrives to the moment it is settled, everything works together in one connected system.
Money lifecycle
One connected flow
Connected
01
Collect
Money comes in
02
Hold
Money is stored
03
Convert
Money changes currency
04
Settle
Money goes out
One ledger connecting every stage.
01Collect
Money arrives,
through any channel.
Accept payments everywhere and record every sale in one system. From your store counter to online, everything flows into the same ledger.
Connected to the same ledger
Every channel follows the same record.
Payment acceptance
Card, contactless, QR and online payments through Adyen payment rails.
→
Card
Contactless
QR
Online
Connected POS
DigitPOS
DigitPay's counter software records the sale — line items, tender, outlet, staff, table, tax, discounts and voids — into the same ledger.
Sale recordedConnected
DigitPOS
Table 08
D
Chicken rice8.50
Iced tea3.00
Service1.15
TotalSGD 12.65
Payment received
One sale. One record.
Payment and sale stay connected.
02Hold
Money waits somewhere you can see it.
Keep balances visible across currencies without separating your money into disconnected accounts. Your position stays connected to the same ledger as the payments that created it.
One connected balance
Business wallet
Money position
🇸🇬Singapore
Connected walletTotal balance
SGD 48,240.80
Connected
SGDSingapore
32,840.20
USDUnited States
8,420.00
SGD
32,840.20
Available
USD
8,420.00
Available
SGD
48,240.80
Connected
Singapore
Multiple currencies. One connected position.
Balances held on Airwallex payment rails in more than one currency, without opening an account per currency.
Position visible before it is needed
03Convert
Money changes currency without leaving the system.
See the rate before the conversion and keep the transaction connected to the money that moves through your wallet.
Rate recorded on the transaction
Foreign exchange
Currency conversion
🇸🇬Singapore
Live conversionFrom
SGD10,000.00
To
USD7,420.00
Quoted rate
1 SGD = 0.7420 USD
Rate recorded
Connected flow
The money stays in the system.
Conversion runs on Airwallex payment rails, where the money already sits, with the rate recorded on the line.
One quoted rate. One recorded transaction.
04Settle
Money lands, on one rule.
Domestic or cross-border, card or platform, Singapore or Malaysia. Funds settle the next day.
T+1 settlement
Settlement rule
One answer
T+1
Domestic
Singapore
Cross-border
Singapore ↔ Malaysia
Card
Payment acceptance
Platform
Connected channels
Settlement
T+1
Funds settle the next day.
Same rule across the flow
Different transaction types converge on the same timing.
Supplier and contractor payments out on Airwallex payment rails, on the same T+1 rule that brings money in.
One timing to plan againstIndustries
One connected flow. Different pressure points.
The same four-stage money flow applies across businesses, but the pressure shows up in different places.
02
Retailers
Many outlets, many terminals, one set of books to close.
Where the pressure appears
Collect→
Hold→
Settle
Connected to the same flow→
03
Jewellers
High-value transactions where the rate on a conversion and the record behind it both have to hold up.
Where the pressure appears
Collect→
Convert
Connected to the same flow→
Is this your month end?
Bring payments, settlement and cash visibility into one connected flow.
01
Still matching transactions across systems at month end?
02
Chasing separate numbers from delivery platforms?
03
Waiting days to know your actual cash position?
Book a Demo
See how DigitPay can simplify your operations.