What is Instant Merchant and non-Instant merchant? Tanita Ridzuan Follow For Instant Merchant, the sales amount that you receive for the day from your customer will be directly credited into your wallet and you can immediately use the balance to spend on your business-related payments. For Non-instant Merchant, the total sales amount you received for the day will be settled to your settlement bank account according to the current process of T + 1 working day.