Speedway Global commercial guide
Settlements & payouts
This page explains how Speedway Global separates money buckets, calculates merchant settlements, pays crews and handles timing, verification, refunds, disputes and fraud protection. It is a public working guide; final settlement rules may vary by city, market segment, payment method, regulation, merchant agreement or operator agreement.
Database pricing updated automaticallyIndonesia market - Speedway GlobalPublic draft
T+2 to T+7Typical merchant settlement planning window after completion and review.
92%Operator share of delivery or trip distance fee only.
Local payoutBank transfer plus approved local payout methods where available.
Settlement principles
Speedway separates each order into clear buckets before any merchant settlement or operator payout is calculated. This keeps the statement readable and prevents delivery, platform, software, tax, marketing and reimbursement items from being mixed together.
- Merchant commission and software fees are deducted from the merchant-side order value according to the merchant package.
- Crews and drivers are paid from the delivery or trip distance fee bucket only, unless a specific labour fee is assigned to them.
- Platform fees, booking fees, sponsored marketing, hardware, tax, payment processing and pass-through reimbursements remain separate buckets.
- Payouts may be delayed or held if verification, fraud screening, disputes, refunds, chargebacks, abnormal activity or compliance checks are required.
Indicative settlement and payout timing
| Party | Settlement trigger | Indicative timing | Notes |
|---|
| Merchant | Completed order, payment captured, no active dispute | Usually T+2 to T+7 business days | Allows time for payment confirmation, reconciliation, refunds, fraud checks and statement generation. |
| Operator / driver | Completed trip or delivery with required proof/status | Daily, weekly or scheduled cycle where available | May be held for failed delivery, missing proof, customer complaint, route anomaly or compliance review. |
| Service provider | Completed job or service with acceptance/proof | Usually T+2 to T+10 business days | Longer review may apply for high-value jobs, cancellations, parts, warranty or customer acceptance. |
| Sponsored marketing balance | Campaign spend, credit, adjustment or invoice cycle | According to campaign or agreement | Marketing budgets are separate from merchant settlement and may be prepaid, deducted or invoiced. |
| Refund / dispute adjustment | Approved refund, chargeback, duplicate payment or dispute resolution | Applied to current or future settlement | Adjustments may be visible as separate statement lines. |
Settlement timing is not a guarantee. Weekends, public holidays, banking cut-off times, incorrect account details, payment-provider delays, fraud review or compliance checks can extend payout timing.
Payout methods
Speedway supports payout methods suitable for each local market. In Indonesia, the default payout method is bank transfer to a verified account. Local payout methods may also be supported where available, approved and compliant.
| Method | Available for | Requirements | Notes |
|---|
| Bank transfer | Merchants, crews, drivers and service providers | Verified bank account name, account number and identity or business verification | Primary and preferred payout path for formal settlement records. |
| Approved local wallet or local payout rail | Crews, drivers and smaller local payouts where supported | Verified local account, phone number and identity checks | Availability depends on local area, provider support, limits and compliance approval. |
| In-platform balance or merchant credit | Credits, corrections, marketing, refunds or future invoices | Active Speedway merchant or operator account | May be used for adjustments, not always withdrawable as cash. |
| Manual review payout | Exceptions, high-risk cases, corrected details or compliance holds | Manual verification and approval | Used when normal payout cannot be released safely. |
Cash payout is not the preferred standard method because it creates reconciliation, safety and fraud risk. Local exceptions may require written approval and extra controls.
Merchant settlement calculation
Merchant settlement starts from the merchant-side order value. The marketplace sales commission is 11% for food/services or 2.5% for non-food products including hardware. App access is then either pay as you go or prepaid monthly. Payment processing, tax, delivery, refunds, promotions, marketing, hardware and pass-through charges remain separate.
| Statement line | Example | Treatment |
|---|
| Food order value | Rp100,000 | Merchant-side gross order value before Speedway fees. |
| Restaurant Full Stack package | 16% / Rp16,000 | Deducted from merchant-side order value. |
| Delivery fee | Separate distance fee | Separate bucket; operator payout is calculated from this bucket only. |
| Customer platform fee | Separate customer charge where applicable | Not part of merchant payout and not part of operator distance payout. |
| Payment processing | Pass-through or absorbed | Shown according to merchant agreement and payment method. |
| Refunds / adjustments | As approved | Deducted from current or future settlement where applicable. |
For a Rp100,000 Restaurant Full Stack order, the indicative merchant-side Speedway fee is Rp16,000. The merchant settlement before other charges would therefore start from Rp84,000, subject to refunds, tax treatment, payment fees, marketing, pass-through items or agreement-specific rules.
Operator and driver payout calculation
Crews and drivers do not receive a percentage of merchant commission, software fees, platform fees, booking fees, sponsored marketing, standard handling fees or tax. Their payout is 92% of the eligible ride or delivery fare after permitted incurred job costs. Booking, service, platform, payment, tax, merchant commission, software, marketing, handling, loading and unrelated pass-through fee buckets are excluded.
| Fee bucket | Operator share | Speedway share | Notes |
|---|
| Food delivery distance fee | 90% | 10% | Calculated from the distance delivery fee only. |
| Ride-hail trip distance fare | 90% or compliance-adjusted | 10% or compliance-adjusted | May be adjusted by regulation, city, agreement or vehicle type. |
| Waiting fee | Mostly operator | Admin share optional | Applies after grace period where enabled. |
| Cancellation fee | Partial after dispatch | Partial | Stage-based; depends whether the operator had already accepted or travelled. |
| Platform / booking / software / marketing | 0% | 100% | Not part of the operator distance payout bucket. |
Why a payout may be held or adjusted
- Customer dispute, refund request, chargeback or duplicate payment.
- Fraud signals, abnormal order pattern, suspicious account behaviour or identity mismatch.
- Missing proof of delivery, incomplete job status, route anomaly or failed delivery.
- Incorrect bank details, unverified payout account or mismatched account name.
- Regulatory, tax, sanctions, safety or compliance review.
- Merchant or operator agreement terms, outstanding balances, hardware charges or approved adjustments.
Fraud protection is boring until it saves you money. Speedway may hold, reverse or adjust payouts where needed to protect customers, merchants, crews and the platform.
Statements and reconciliation
Speedway statements are intended to show the order value, merchant fee, software package fee, customer fees, delivery or trip bucket, operator payout, refunds, payment fees, marketing spend, tax and pass-through items as separate lines where applicable.
- Merchants should reconcile settlement statements against order reports and payment records.
- Crews should reconcile payouts against completed trips, delivery distance fees, waiting fees and approved adjustments.
- Corrections may appear in a later settlement cycle if an issue is discovered after the original statement.