# 自定义结算时间

通常来说，交易完成后，面包多Pay 将尽快完成交易结算，结算意味着：

* 对于微信：钱款进入托管户，托管户每日自动发起提现，提到银行卡
* 对于支付宝：你的个人支付宝余额中到账这笔收入

未被结算的资金由银行统一托管，在调用退款接口时，会直接退还给用户

在某些情况下，开发者可能希望指定结算的时间，从而避免在退款时可退款余额不足的风险，也能给付款用户带来更好的保障，这可以通过**自定义结算时间参数**来实现

在发起支付请求时，额外附带 `settle_time` 参数，其值为期望结算时间的 `unix时间戳(秒)`

> settle\_time 参数依然参加签名


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