IMD follows gross-deposits model for billing. In this, initially full amounts for all transactions that happen during a month are deposited to your bank account we have on record, and a lump-sum amount for all fees combined together is debited the next month. A billing statement is sent once the bill is generated and payment is withdrawn.

Example: Suppose there are 5 transactions of $400 each during the month of January, that sum up to $2000. Your bank account will be credited with $400 each time a transaction is processed. And in the month of February, processing fee for each transaction that occurred in January is calculated and a lump sum amount, say for example $100 in this case, for all transactions combined is deducted from your account