English to French Bus/Financial Internet, e-Commerce web site for payments - special credit card

Once you enter a transaction with xxx you may void that transaction until it settles.

Transactions typically settle once a day. Voided transactions will be completely deleted from your xxx reports, and no fees are charged.


Refunding Transactions

Once the transaction has settled, you may no longer void the transaction. Instead, you may refund the card. Refunds cost $x.xx and you must have the full refund amount available in your Account in order to process a refund. If you don't have enough money in your Account for a refund, you may add funds to your account from a checking account or process more cards until you have the needed balance.

et:
You may transfer money out of your Account into your checking account at your bank anytime you wish, after it settles in your Account

You will not be able to refund a pending transaction after the 4:00 p.m. deadline until after the transaction settles.
Authorization Only Report displays authorized transactions that are waiting to be settled.

You'll know it has settled when it is listed under "available" instead of "pending.

ma collègue et moi hésitons sur la traduction de settle, dans ce contexte...

il semble y avoir 3 étapes
1. la transaction est inscrite au système
2. elle demeure en mode "pending" jusqu'à 4:00 pm
3. la transaction devient "settled"

complété, réglé, officialisé, autre idée?