Clock one: the operator
Record the request, document requests, verification, approval and the actual payment-sent event separately. An approval message does not by itself establish that a payment instruction has been sent.
Clock two: delivery
Once the operator confirms dispatch, record the method and reference if available. Payment rails and banks can have their own processing windows. Keep calendar days and business days distinct.
Use a timeline, not a guessed arrival date
Casimo’s private Passport keeps your dates on your device. Aggregated reports require separate consent and do not establish how all customers are treated.