# Pay a capital call

When you receive a capital call notice, you need to wire the net amount due to the fund's collection account before the drawdown due date. This guide walks you through the payment process and how to confirm in Gildi that your payment has been received.

## Before you pay

1. **Read your notice.** Confirm the net amount due and the drawdown due date. If anything looks wrong, contact your GP before paying. See [Understand your capital call notice](/for-limited-partners/receive-call.md).
2. **Note the payment reference.** Your notice includes a unique reference (e.g., `GLD-CC-2026-001-LPA`). You must include this in the memo / remittance field of your wire. It is how Gildi matches your payment to your account automatically.
3. **Allow transfer time.** International wires typically take 1–2 business days. Domestic transfers may be same-day or next-day. Initiate your payment at least 2–3 business days before the due date to be safe.

## Payment methods

### Wire transfer (all LPs)

This is the standard payment method for all capital calls. Use the payment instructions on your notice PDF:

| Field                    | Value (from your notice)          |
| ------------------------ | --------------------------------- |
| Beneficiary name         | Fund legal entity name            |
| Bank                     | Fund's bank name                  |
| IBAN                     | Fund's IBAN                       |
| SWIFT / BIC              | Fund's SWIFT code                 |
| Amount                   | Net amount due (exactly as shown) |
| Currency                 | Fund base currency (e.g., EUR)    |
| Payment reference / memo | **Copy exactly from your notice** |

Log in to your bank and initiate the transfer. Keep the bank confirmation (receipt or SWIFT MT103) for your records.

### SEPA Direct Debit (EU LPs, if enrolled)

If you have enrolled in SEPA Direct Debit for this fund, Gildi will automatically debit your registered bank account on the drawdown due date. You do not need to initiate anything manually.

You will receive an advance notification email at least 5 business days before the debit (as required by SEPA rules). To enroll in SEPA Direct Debit, contact your GP or go to **Account → Payment methods** in the portal.

**Note:** SEPA Direct Debit requires a signed SEPA mandate on file. Without a mandate, you must pay by wire transfer.

## After you wire

Once you initiate the wire transfer, you do not need to do anything in Gildi — the payment is detected automatically when it arrives in the fund's collection account.

However, you can log a manual payment notification if you want to give the GP advance notice that funds are on their way:

1. Log in to the Gildi portal.
2. Navigate to **Capital Calls → Upcoming**.
3. Click the call.
4. Click **Notify payment sent**.
5. Enter the amount sent and the date initiated (optional — this is for GP visibility only and does not affect reconciliation).

## Confirming your payment was received

> *\[Screenshot: the capital call detail page in the LP portal showing status changed to "Paid", with updated paid-in capital and unfunded commitment figures]*

Gildi matches your incoming wire automatically using the payment reference. Once matched:

* The call in your portal moves from **Upcoming** to **Paid**.
* Your unfunded commitment decreases by the net call amount.
* Your paid-in capital increases accordingly.
* You receive an email confirmation.

Matching typically completes within a few hours of the wire arriving. If 2 business days have passed and your call still shows as **Unpaid**, contact your GP — your wire may have arrived without the payment reference and requires manual matching.

## What if you pay the wrong amount?

**Shortfall (you paid less than the net amount due):** Your call will show **Partial** status. The outstanding balance is still due. Your GP will contact you. Continued non-payment may result in default proceedings per the fund's LPA.

**Overpayment (you paid more than the net amount due):** Gildi flags the overpayment to the GP. They will either refund the surplus to your bank account or apply it as a credit against your next capital call. You will receive a notification of how the overpayment was resolved.

## Payment history

To see all capital calls you have paid:

1. From the sidebar, click **Capital Calls → History**.
2. Each row shows the call reference, call date, due date, amount paid, date received, and status.
3. Click any row to see the full detail and download the original notice PDF.

You can also export the full history as CSV from the **Export** button in the top-right corner.


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