In your balance platform, funds are held in balance accounts<\/a>. These balance accounts may hold a single or multiple currencies. For each currency, a balance account consists of the balance types described in the following table.<\/p>\n
You can configure webhooks to get notified when a balance change meets certain conditions for any of these balance types. Based on this information, and to avoid negative balances, you can top up or transfer funds between the balance accounts in your platform when you receive the notification.<\/p>\n
A balance account can have balances in multiple currencies. To check the balances in all currencies of the balance account:<\/p>\n
The following examples show how balances are calculated in different scenarios.<\/p>\n
On January 1, the following events happen in your user's balance account:<\/p>\n
The following table shows the balances on January 1, January 2, and January 3 respectively.<\/p>\n
On January 2, the incoming payment settles, moving funds into the balance. However, Adyen automatically holds a EUR 30.00 reservation for the pending refund. This reservation reduces your available balance while keeping both pending buckets at 0.<\/p>\n
On January 3, the refund is settled. The system deducts the \u20ac30.00 from your total balance and clears the reservation. Your available balance remains unchanged because the funds were already deducted from your spending power the previous day.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n
On January 1, your user's balance account has a balance of EUR 50.00. On this day, Adyen also processed a refund of EUR 70.00 that will be settled on January 2.<\/p>\n
The following table shows the balances on January 1.<\/p>\n
Although the current balance is positive, the available balance is negative because the future balance change (the refund) is already being considered.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n
On January 1, your user's balance account has a balance of EUR -30.00. On this day, Adyen also processed an incoming payment for your user, which will be settled on January 2.<\/p>\n
The pending balance shows the funds of the incoming payment that will be settled on January 2. In contrast, the pending available balance shows only the balance that will become available for use on January 2.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n
Learn how you can configure and receive automatic notifications about the balance changes in your balance platform.<\/p><\/p><\/a>Top up balance accounts<\/div>Schedule automatic top-ups, or top up funds on-demand in a balance account.<\/p><\/p><\/a>Transfer funds internally<\/div>Schedule automatic fund transfers, or transfer funds on-demand between balance accounts in your platform.<\/p><\/p><\/a><\/div>\n","url":"https:\/\/docs.adyen.com\/platforms\/balance-types","articleFields":{"description":"Learn about the different balance types in your balance accounts.","cache_enable":false,"parameters":{"directoryPath":"\/platforms","model":"platform"},"section_label":"Manage funds and balances"},"algolia":{"url":"https:\/\/docs.adyen.com\/platforms\/balance-types","title":"Balance types","content":"In your balance platform, funds are held in balance accounts. These balance accounts may hold a single or multiple currencies. For each currency, a balance account consists of the balance types described in the following table.\n\n\n\nBalance type\nDescription\n\n\n\n\nBalance\nThe sum of transactions that have already been settled. This is also referred to as the current balance.\n\n\nAvailable\nThe balance that is available for transfers.The available balance is equal to the lower of the following values:The current balanceThe current balance minus the sum of the pending and reserved balances\n\n\nPending\nThe sum of transactions that will be settled in the future. The pending balance can be positive or negative.\n\n\nPending available\nThe balance that will become the available balance after the pending balance is settled.The pending available balance is equal to the lower of the following:The pending balanceThe pending balance plus the available balance.\n\n\nReserved\nThe balance currently held in reserve.The reserve balance consists of:Authorized funds: Funds reserved for outgoing transfers that have been authorized, but not yet booked.Blocked funds: Funds blocked, for example, for Capital repayments or as collateral when you pay out the current balance of a balance account.\n\n\n\nYou can configure webhooks to get notified when a balance change meets certain conditions for any of these balance types. Based on this information, and to avoid negative balances, you can top up or transfer funds between the balance accounts in your platform when you receive the notification.\nMultiple currencies\nA balance account can have balances in multiple currencies. To check the balances in all currencies of the balance account:\n\nMake a GET \/balanceAccounts\/{id} request.\nListen to the balancePlatform.balanceAccount.balance.updated webhook event.\nIn your Customer Area, go to Balance accounts > Balances.\n\nExamples\nThe following examples show how balances are calculated in different scenarios.\n\n \n \n \n \n \n Example 1: Balance changes over time\n \n \n \n \nOn January 1, the following events happen in your user's balance account:\n\nEUR 100.00 are settled from an incoming payment processed two days ago.\nAdyen processed a EUR 20.00 incoming payment for your user. These funds will be settled in January 2.\nAdyen processed a EUR 30.00 outgoing refund for your user. These funds will be deducted in January 3.\n\nThe following table shows the balances on January 1, January 2, and January 3 respectively.\n\n\n\nBalance type\nBalnace on January 1\nBalance on January 2\nBalance on January 3\n\n\n\n\nBalance\nEUR 100.00\nEUR 120.00\nEUR 90.00\n\n\nReserved\nEUR 30.00\nEUR 30.00\nEUR 0.00\n\n\nAvailable\nEUR 70.00\nEUR 90.00\nEUR 90.00\n\n\nPending\nEUR 20.00\nEUR 0.00\nEUR 0.00\n\n\nPending available\nEUR 20.00\nEUR 0.00\nEUR 0.00\n\n\n\nOn January 2, the incoming payment settles, moving funds into the balance. However, Adyen automatically holds a EUR 30.00 reservation for the pending refund. This reservation reduces your available balance while keeping both pending buckets at 0.\nOn January 3, the refund is settled. The system deducts the \u20ac30.00 from your total balance and clears the reservation. Your available balance remains unchanged because the funds were already deducted from your spending power the previous day.\n\n \n \n\n\n\n \n \n \n \n \n Example 2: Future balance changes make the available balance negative\n \n \n \n \nOn January 1, your user's balance account has a balance of EUR 50.00. On this day, Adyen also processed a refund of EUR 70.00 that will be settled on January 2.\nThe following table shows the balances on January 1.\n\n\n\nBalance type\nBalance on January 1\n\n\n\n\nBalance\nEUR 50.00\n\n\nReserved\nEUR 0.00\n\n\nAvailable\nEUR -20.00\n\n\nPending\nEUR -70.00\n\n\nPending available\nEUR -70.00\n\n\n\nAlthough the current balance is positive, the available balance is negative because the future balance change (the refund) is already being considered.\n\n \n \n\n\n\n \n \n \n \n \n Example 3: Pending balance is different from pending available balance\n \n \n \n \nOn January 1, your user's balance account has a balance of EUR -30.00. On this day, Adyen also processed an incoming payment for your user, which will be settled on January 2.\nThe following table shows the balances on January 1.\n\n\n\nBalance type\nBalance on January 1\nBalance on January 2\n\n\n\n\nBalance\nEUR -30.00\nEUR 20.00\n\n\nReserved\nEUR 0.00\nEUR 0.00\n\n\nAvailable\nEUR -30.00\nEUR 20.00\n\n\nPending\nEUR 50.00\nEUR 0.00\n\n\nPending available\nEUR 20.00\nEUR 0.00\n\n\n\nThe pending balance shows the funds of the incoming payment that will be settled on January 2. In contrast, the pending available balance shows only the balance that will become available for use on January 2.\n\n \n \n\n\n\nBalance updatesLearn how you can configure and receive automatic notifications about the balance changes in your balance platform.Top up balance accountsSchedule automatic top-ups, or top up funds on-demand in a balance account.Transfer funds internallySchedule automatic fund transfers, or transfer funds on-demand between balance accounts in your platform.\n","type":"page","locale":"en","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Platforms","lvl2":"Balance types"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/platforms","lvl2":"\/platforms\/balance-types"},"levels":3,"category":"Platforms","category_color":"green","tags":["Balance","types"]}}
Schedule automatic top-ups, or top up funds on-demand in a balance account.<\/p><\/p><\/a>Transfer funds internally<\/div>Schedule automatic fund transfers, or transfer funds on-demand between balance accounts in your platform.<\/p><\/p><\/a><\/div>\n","url":"https:\/\/docs.adyen.com\/platforms\/balance-types","articleFields":{"description":"Learn about the different balance types in your balance accounts.","cache_enable":false,"parameters":{"directoryPath":"\/platforms","model":"platform"},"section_label":"Manage funds and balances"},"algolia":{"url":"https:\/\/docs.adyen.com\/platforms\/balance-types","title":"Balance types","content":"In your balance platform, funds are held in balance accounts. These balance accounts may hold a single or multiple currencies. For each currency, a balance account consists of the balance types described in the following table.\n\n\n\nBalance type\nDescription\n\n\n\n\nBalance\nThe sum of transactions that have already been settled. This is also referred to as the current balance.\n\n\nAvailable\nThe balance that is available for transfers.The available balance is equal to the lower of the following values:The current balanceThe current balance minus the sum of the pending and reserved balances\n\n\nPending\nThe sum of transactions that will be settled in the future. The pending balance can be positive or negative.\n\n\nPending available\nThe balance that will become the available balance after the pending balance is settled.The pending available balance is equal to the lower of the following:The pending balanceThe pending balance plus the available balance.\n\n\nReserved\nThe balance currently held in reserve.The reserve balance consists of:Authorized funds: Funds reserved for outgoing transfers that have been authorized, but not yet booked.Blocked funds: Funds blocked, for example, for Capital repayments or as collateral when you pay out the current balance of a balance account.\n\n\n\nYou can configure webhooks to get notified when a balance change meets certain conditions for any of these balance types. Based on this information, and to avoid negative balances, you can top up or transfer funds between the balance accounts in your platform when you receive the notification.\nMultiple currencies\nA balance account can have balances in multiple currencies. To check the balances in all currencies of the balance account:\n\nMake a GET \/balanceAccounts\/{id} request.\nListen to the balancePlatform.balanceAccount.balance.updated webhook event.\nIn your Customer Area, go to Balance accounts > Balances.\n\nExamples\nThe following examples show how balances are calculated in different scenarios.\n\n \n \n \n \n \n Example 1: Balance changes over time\n \n \n \n \nOn January 1, the following events happen in your user's balance account:\n\nEUR 100.00 are settled from an incoming payment processed two days ago.\nAdyen processed a EUR 20.00 incoming payment for your user. These funds will be settled in January 2.\nAdyen processed a EUR 30.00 outgoing refund for your user. These funds will be deducted in January 3.\n\nThe following table shows the balances on January 1, January 2, and January 3 respectively.\n\n\n\nBalance type\nBalnace on January 1\nBalance on January 2\nBalance on January 3\n\n\n\n\nBalance\nEUR 100.00\nEUR 120.00\nEUR 90.00\n\n\nReserved\nEUR 30.00\nEUR 30.00\nEUR 0.00\n\n\nAvailable\nEUR 70.00\nEUR 90.00\nEUR 90.00\n\n\nPending\nEUR 20.00\nEUR 0.00\nEUR 0.00\n\n\nPending available\nEUR 20.00\nEUR 0.00\nEUR 0.00\n\n\n\nOn January 2, the incoming payment settles, moving funds into the balance. However, Adyen automatically holds a EUR 30.00 reservation for the pending refund. This reservation reduces your available balance while keeping both pending buckets at 0.\nOn January 3, the refund is settled. The system deducts the \u20ac30.00 from your total balance and clears the reservation. Your available balance remains unchanged because the funds were already deducted from your spending power the previous day.\n\n \n \n\n\n\n \n \n \n \n \n Example 2: Future balance changes make the available balance negative\n \n \n \n \nOn January 1, your user's balance account has a balance of EUR 50.00. On this day, Adyen also processed a refund of EUR 70.00 that will be settled on January 2.\nThe following table shows the balances on January 1.\n\n\n\nBalance type\nBalance on January 1\n\n\n\n\nBalance\nEUR 50.00\n\n\nReserved\nEUR 0.00\n\n\nAvailable\nEUR -20.00\n\n\nPending\nEUR -70.00\n\n\nPending available\nEUR -70.00\n\n\n\nAlthough the current balance is positive, the available balance is negative because the future balance change (the refund) is already being considered.\n\n \n \n\n\n\n \n \n \n \n \n Example 3: Pending balance is different from pending available balance\n \n \n \n \nOn January 1, your user's balance account has a balance of EUR -30.00. On this day, Adyen also processed an incoming payment for your user, which will be settled on January 2.\nThe following table shows the balances on January 1.\n\n\n\nBalance type\nBalance on January 1\nBalance on January 2\n\n\n\n\nBalance\nEUR -30.00\nEUR 20.00\n\n\nReserved\nEUR 0.00\nEUR 0.00\n\n\nAvailable\nEUR -30.00\nEUR 20.00\n\n\nPending\nEUR 50.00\nEUR 0.00\n\n\nPending available\nEUR 20.00\nEUR 0.00\n\n\n\nThe pending balance shows the funds of the incoming payment that will be settled on January 2. In contrast, the pending available balance shows only the balance that will become available for use on January 2.\n\n \n \n\n\n\nBalance updatesLearn how you can configure and receive automatic notifications about the balance changes in your balance platform.Top up balance accountsSchedule automatic top-ups, or top up funds on-demand in a balance account.Transfer funds internallySchedule automatic fund transfers, or transfer funds on-demand between balance accounts in your platform.\n","type":"page","locale":"en","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Platforms","lvl2":"Balance types"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/platforms","lvl2":"\/platforms\/balance-types"},"levels":3,"category":"Platforms","category_color":"green","tags":["Balance","types"]}}
Schedule automatic fund transfers, or transfer funds on-demand between balance accounts in your platform.<\/p><\/p><\/a><\/div>\n","url":"https:\/\/docs.adyen.com\/platforms\/balance-types","articleFields":{"description":"Learn about the different balance types in your balance accounts.","cache_enable":false,"parameters":{"directoryPath":"\/platforms","model":"platform"},"section_label":"Manage funds and balances"},"algolia":{"url":"https:\/\/docs.adyen.com\/platforms\/balance-types","title":"Balance types","content":"In your balance platform, funds are held in balance accounts. These balance accounts may hold a single or multiple currencies. For each currency, a balance account consists of the balance types described in the following table.\n\n\n\nBalance type\nDescription\n\n\n\n\nBalance\nThe sum of transactions that have already been settled. This is also referred to as the current balance.\n\n\nAvailable\nThe balance that is available for transfers.The available balance is equal to the lower of the following values:The current balanceThe current balance minus the sum of the pending and reserved balances\n\n\nPending\nThe sum of transactions that will be settled in the future. The pending balance can be positive or negative.\n\n\nPending available\nThe balance that will become the available balance after the pending balance is settled.The pending available balance is equal to the lower of the following:The pending balanceThe pending balance plus the available balance.\n\n\nReserved\nThe balance currently held in reserve.The reserve balance consists of:Authorized funds: Funds reserved for outgoing transfers that have been authorized, but not yet booked.Blocked funds: Funds blocked, for example, for Capital repayments or as collateral when you pay out the current balance of a balance account.\n\n\n\nYou can configure webhooks to get notified when a balance change meets certain conditions for any of these balance types. Based on this information, and to avoid negative balances, you can top up or transfer funds between the balance accounts in your platform when you receive the notification.\nMultiple currencies\nA balance account can have balances in multiple currencies. To check the balances in all currencies of the balance account:\n\nMake a GET \/balanceAccounts\/{id} request.\nListen to the balancePlatform.balanceAccount.balance.updated webhook event.\nIn your Customer Area, go to Balance accounts > Balances.\n\nExamples\nThe following examples show how balances are calculated in different scenarios.\n\n \n \n \n \n \n Example 1: Balance changes over time\n \n \n \n \nOn January 1, the following events happen in your user's balance account:\n\nEUR 100.00 are settled from an incoming payment processed two days ago.\nAdyen processed a EUR 20.00 incoming payment for your user. These funds will be settled in January 2.\nAdyen processed a EUR 30.00 outgoing refund for your user. These funds will be deducted in January 3.\n\nThe following table shows the balances on January 1, January 2, and January 3 respectively.\n\n\n\nBalance type\nBalnace on January 1\nBalance on January 2\nBalance on January 3\n\n\n\n\nBalance\nEUR 100.00\nEUR 120.00\nEUR 90.00\n\n\nReserved\nEUR 30.00\nEUR 30.00\nEUR 0.00\n\n\nAvailable\nEUR 70.00\nEUR 90.00\nEUR 90.00\n\n\nPending\nEUR 20.00\nEUR 0.00\nEUR 0.00\n\n\nPending available\nEUR 20.00\nEUR 0.00\nEUR 0.00\n\n\n\nOn January 2, the incoming payment settles, moving funds into the balance. However, Adyen automatically holds a EUR 30.00 reservation for the pending refund. This reservation reduces your available balance while keeping both pending buckets at 0.\nOn January 3, the refund is settled. The system deducts the \u20ac30.00 from your total balance and clears the reservation. Your available balance remains unchanged because the funds were already deducted from your spending power the previous day.\n\n \n \n\n\n\n \n \n \n \n \n Example 2: Future balance changes make the available balance negative\n \n \n \n \nOn January 1, your user's balance account has a balance of EUR 50.00. On this day, Adyen also processed a refund of EUR 70.00 that will be settled on January 2.\nThe following table shows the balances on January 1.\n\n\n\nBalance type\nBalance on January 1\n\n\n\n\nBalance\nEUR 50.00\n\n\nReserved\nEUR 0.00\n\n\nAvailable\nEUR -20.00\n\n\nPending\nEUR -70.00\n\n\nPending available\nEUR -70.00\n\n\n\nAlthough the current balance is positive, the available balance is negative because the future balance change (the refund) is already being considered.\n\n \n \n\n\n\n \n \n \n \n \n Example 3: Pending balance is different from pending available balance\n \n \n \n \nOn January 1, your user's balance account has a balance of EUR -30.00. On this day, Adyen also processed an incoming payment for your user, which will be settled on January 2.\nThe following table shows the balances on January 1.\n\n\n\nBalance type\nBalance on January 1\nBalance on January 2\n\n\n\n\nBalance\nEUR -30.00\nEUR 20.00\n\n\nReserved\nEUR 0.00\nEUR 0.00\n\n\nAvailable\nEUR -30.00\nEUR 20.00\n\n\nPending\nEUR 50.00\nEUR 0.00\n\n\nPending available\nEUR 20.00\nEUR 0.00\n\n\n\nThe pending balance shows the funds of the incoming payment that will be settled on January 2. In contrast, the pending available balance shows only the balance that will become available for use on January 2.\n\n \n \n\n\n\nBalance updatesLearn how you can configure and receive automatic notifications about the balance changes in your balance platform.Top up balance accountsSchedule automatic top-ups, or top up funds on-demand in a balance account.Transfer funds internallySchedule automatic fund transfers, or transfer funds on-demand between balance accounts in your platform.\n","type":"page","locale":"en","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Platforms","lvl2":"Balance types"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/platforms","lvl2":"\/platforms\/balance-types"},"levels":3,"category":"Platforms","category_color":"green","tags":["Balance","types"]}}