---
title: "Balances"
description: "Learn about the balances held in your company and merchant accounts and how to manage them."
url: "https://docs.adyen.com/account/balances"
source_url: "https://docs.adyen.com/account/balances.md"
canonical: "https://docs.adyen.com/account/balances"
last_modified: "2021-11-22T11:32:00+01:00"
language: "en"
---

# Balances

Learn about the balances held in your company and merchant accounts and how to manage them.

[View source](/account/balances.md)

Balances refer to a collection of funds that belong to your business and are held in your Adyen merchant accounts. You can check these balances at the merchant account level or at the company account level (this shows the sum of the balances in all the merchant accounts).

Checking and managing these balances allow you as a business to:

1. Keep track of your balance history
2. Ensure that you have enough funds to cover potential refunds or chargebacks
3. Monitor the settlement of your sales funds
4. Monitor the amount you receive in your payouts

Your Adyen account can hold two types of balances:

* [Available funds](#available-funds)
* [Deposit](#deposit)

You can [view](/account/view-your-balances-pilot) and [manage](/account/manage-your-balances-pilot) these balances in the CA or using the Balance Control API.

In your merchant account, you can also use the [activity log](#activity-log) to see details of the events that caused balance adjustments.

## Available funds

The available funds on a merchant account refers to the balances held in your merchant account that you can adjust. The available funds on a company account refers to the sum of the available funds on all the merchant accounts under the company.

To get the total amount of available funds, you can sum up the following balances:

* **Pending**: the gross amount of sales and refunds that have not yet been settled by the respective card scheme or payment method.

* **Next payout**: the current amount to be settled to your bank account at the next moment of payout. This amount changes over time as sales, refunds, and other adjustments are processed. For more information, see [Next payout](/account/balances-pilot/next-payout).

* **Reserve**: the available amount you configure to cover for refunds, chargebacks, and other operational expenses. The reserve is only used if you have insufficient in-process funds to process these transactions. For more information, see [Reserve](/account/balances-pilot/reserve)

* **Negative refund allowance:** the additional balance to issue refunds even when your reserve is too low or insufficient. Adyen decides who is eligible to get a negative refund allowance.

## Deposit

The **Deposit** is the amount withheld by Adyen to cover potential losses and liabilities due to payment processing. Adyen holds the deposit to protect you from settlement uncertainties in case of extreme scenarios, such as the COVID-19 pandemic for example. By holding the necessary funds, we can consistently maintain the cash outflow without having to block payouts during unforeseen events.

Unlike the reserve, you cannot determine your own deposit amount. Adyen calculates the deposit requirement for your account daily, based on variables such as your processing volume and the number of chargebacks and refunds. We can increase or decrease the deposit requirements based on changes in these variables.

If the deposit requirement increases, funds from your sales are booked to the deposit. If the deposit requirement decreases, the excess deposit is released and added to the next payout amount.

For more details, see [Deposit](/account/balances-pilot/deposit).

## Activity log

The **Activity log** provides a historic overview of the past activities, such as balance transfers, payouts, adjustments, currency exchange, and top-ups.

## Next steps

[View your balances](/account/view-your-balances-pilot)

[Stay updated about the balances in your company and merchant accounts.](/account/view-your-balances-pilot)

[Manage your balances](/account/manage-your-balances-pilot)

[Stay updated about the balances in your company and merchant accounts.](/account/manage-your-balances-pilot)
