{"title":"Balances","category":"default","creationDate":1776961629,"content":"<p>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).<\/p>\n<p>Checking and managing these balances allow you as a business to:<\/p>\n<ol>\n<li>Keep track of your balance history<\/li>\n<li>Ensure that you have enough funds to cover potential refunds or chargebacks<\/li>\n<li>Monitor the settlement of your sales funds<\/li>\n<li>Monitor the amount you receive in your payouts<\/li>\n<\/ol>\n<p>Your Adyen account can hold two types of balances:<\/p>\n<ul>\n<li><a href=\"#available-funds\">Available funds<\/a><\/li>\n<li><a href=\"#deposit\">Deposit<\/a><\/li>\n<\/ul>\n<p>You can <a href=\"\/pt\/account\/view-your-balances-pilot\">view<\/a> and <a href=\"\/pt\/account\/manage-your-balances-pilot\">manage<\/a> these balances in the CA or using the Balance Control API.<\/p>\n<p>In your merchant account, you can also use the <a href=\"#activity-log\">activity log<\/a> to see details of the events that caused balance adjustments.<\/p>\n<h2>Available funds<\/h2>\n<p>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.<\/p>\n<p>To get the total amount of available funds, you can sum up the following balances:<\/p>\n<ul>\n<li>\n<p><strong>Pending<\/strong>: the gross amount of sales and refunds that have not yet been settled by the respective card scheme or payment method.<\/p>\n<\/li>\n<li>\n<p><strong>Next payout<\/strong>: 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 <a href=\"\/pt\/account\/balances-pilot\/next-payout\">Next payout<\/a>.<\/p>\n<\/li>\n<li>\n<p><strong>Reserve<\/strong>: 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 <a href=\"\/pt\/account\/balances-pilot\/reserve\">Reserve<\/a><\/p>\n<\/li>\n<li>\n<p><strong>Negative refund allowance:<\/strong> 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.<\/p>\n<\/li>\n<\/ul>\n<h2>Deposit<\/h2>\n<p>The <strong>Deposit<\/strong> 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.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>For more details, see <a href=\"\/pt\/account\/balances-pilot\/deposit\">Deposit<\/a>.<\/p>\n<h2>Activity log<\/h2>\n<p>The <strong>Activity log<\/strong> provides a historic overview of the past activities, such as balance transfers, payouts, adjustments, currency exchange, and top-ups.<\/p>\n<h2>Next steps<\/h2>\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/account\/view-your-balances-pilot\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><div class=\"next-steps__title\">View your balances<\/div><p class=\"next-steps__body\"><p>Stay updated about the balances in your company and merchant accounts.<\/p><\/p><\/a><a href=\"\/account\/manage-your-balances-pilot\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><div class=\"next-steps__title\">Manage your balances<\/div><p class=\"next-steps__body\"><p>Stay updated about the balances in your company and merchant accounts.<\/p><\/p><\/a><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/account\/balances","articleFields":{"description":"Learn about the balances held in your company and merchant accounts and how to manage them.","feedback_component":true,"type":"page","_expandable":{"operations":""},"status":"current","last_edit_on":"22-11-2021 11:32"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/account\/balances","title":"Balances","content":"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).\nChecking and managing these balances allow you as a business to:\n\nKeep track of your balance history\nEnsure that you have enough funds to cover potential refunds or chargebacks\nMonitor the settlement of your sales funds\nMonitor the amount you receive in your payouts\n\nYour Adyen account can hold two types of balances:\n\nAvailable funds\nDeposit\n\nYou can view and manage these balances in the CA or using the Balance Control API.\nIn your merchant account, you can also use the activity log to see details of the events that caused balance adjustments.\nAvailable funds\nThe 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.\nTo get the total amount of available funds, you can sum up the following balances:\n\n\nPending: the gross amount of sales and refunds that have not yet been settled by the respective card scheme or payment method.\n\n\nNext 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.\n\n\nReserve: 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\n\n\nNegative 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.\n\n\nDeposit\nThe 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.\nUnlike 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.\nIf 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.\nFor more details, see Deposit.\nActivity log\nThe Activity log provides a historic overview of the past activities, such as balance transfers, payouts, adjustments, currency exchange, and top-ups.\nNext steps\n\nView your balancesStay updated about the balances in your company and merchant accounts.Manage your balancesStay updated about the balances in your company and merchant accounts.\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Account","lvl2":"Balances"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/account","lvl2":"\/pt\/account\/balances"},"levels":3,"category":"Account","category_color":"green","tags":["Balances"]},"articleFiles":{"balances-overview.png":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/12.account\/15.balances\/balances-overview.png\" \/>"}}