{"title":"Calculating the payout amount","category":"default","creationDate":1776961627,"content":"<p>Before making a scheduled or on-demand payout to a user, Adyen calculates the maximum amount that you can pay out to them. This calculation is based on the balances on their balance account.<\/p>\n<p>Calculating the payout amount allows you to protect your platform from any potential obligations that may arise due to users holding a negative balance.<\/p>\n<p>This page explains how Adyen calculates the payout amount.<\/p>\n<h2>Requirements<\/h2>\n<p>Before you begin, take into account the following requirements:<\/p>\n<table>\n    <colgroup>\n        <col span=\"1\" style=\"width: 20%;\">\n        <col span=\"1\" style=\"width: 70%;\">\n    <\/colgroup>\n    <thead>\n        <tr>\n            <th>Requirement<\/th>\n            <th>Description<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>\n<p><strong>Integration type<\/strong><\/p>\n<\/td>\n            <td>\n<p>You need an <a href=\"\/adyen-for-platforms-model\">Adyen for Platforms<\/a> integration.<\/p>\n<\/td>\n        <\/tr>\n        <tr>\n            <td>\n<p><strong>Setup steps<\/strong><\/p>\n<\/td>\n            <td>\n                To configure your platform to pay out the current balance:\n                <ul>\n                    <li>\n<p>Reach out to your Adyen contact.<\/p>\n<\/li>\n                    <li>\n<p>Make sure that your <a href=\"\/platforms\/manage-reserve-account\">reserve account<\/a> has enough available balance.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n<h2>How Adyen calculates the maximum payout amount<\/h2>\n<p>Adyen allows you to pay out an amount equal to or less than the maximum payout amount. The method in which Adyen calculates the maximum payout amount depends on the payout configuration that is enabled in your platform. You can enable one of the following configurations:<\/p>\n<ul>\n<li><a href=\"#pay-out-available-balance\">\n  <strong>Pay out the available balance<\/strong>\n<\/a>: The maximum payout amount is the available balance. The available balance is the sum of all funds already settled <em>minus<\/em> any negative balance that will be settled in the future. This is the <strong>default<\/strong> configuration.<\/li>\n<li><a href=\"#pay-out-current-balance\">\n  <strong>Pay out the current balance<\/strong>\n<\/a>: The maximum payout amount is the current balance. The current balance is the sum of all funds already settled in your user's balance account. To enable this configuration, reach out to your Adyen contact.<\/li>\n<\/ul>\n<p>Your platform can use only one of these configurations at a time. The same configuration applies to all balance accounts in your platform.<\/p>\n<p>The following sections explain the details of both configurations.<\/p>\n<h2 id=\"pay-out-available-balance\">Pay out the available balance (default)<\/h2>\n<p>By default, Adyen sets the maximum payout amount to equal the available balance in a user's balance account. Adyen calculates the available balance as follows:<\/p>\n<ol>\n<li><strong>Adyen calculates the current balance<\/strong>: Adyen sums all funds that have already been settled in your user's balance account.<\/li>\n<li><strong>Adyen calculates future balance changes<\/strong>: Adyen sums all funds that will be settled in the future in your user's balance account. These funds are reflected in the reserved and pending balances.<\/li>\n<li><strong>Adyen calculates the available balance<\/strong>:\n<ul>\n<li>If the sum of future balance changes is negative, Adyen subtracts the future balance changes from the current balance to calculate the available balance.<\/li>\n<li>If the sum of future balance changes is positive or zero, Adyen determines that the available balance is equal to the current balance.<\/li>\n<\/ul><\/li>\n<\/ol>\n<p>Expand the following subsections to see examples of how Adyen calculates the available balance of a balance account.<\/p>\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#example-1-balance-account-has-zero-future-balance-changes\">\n                                    <h4 class=\"adl-accordion__title\">Example 1: Balance account has zero future balance changes<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p><a rel=\"lightbox\" href=\"\/user\/pages\/reuse\/pfs-transfers\/payouts\/payout-amount-calculation\/zero-balance-changes.png\" src=\"\">\n  <img alt=\"Available balance example with zero future balance changes\" src=\"\/user\/pages\/reuse\/pfs-transfers\/payouts\/payout-amount-calculation\/zero-balance-changes.png\" \/>\n<\/a><\/p>\n<ul>\n<li>At the current time T, the current balance of the balance account is USD&nbsp;100.<\/li>\n<li>The total of the debits and credits scheduled for T+1 (USD&nbsp;-15) and T+2 (USD&nbsp;+15) is USD&nbsp;0.<\/li>\n<li>Because the future balance changes result in a zero amount, Adyen ignores this amount when calculating the available balance.<\/li>\n<li>The available balance for the payout at T is the current balance of USD&nbsp;100.<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#example-2-balance-account-has-positive-future-balance-changes\">\n                                    <h4 class=\"adl-accordion__title\">Example 2: Balance account has positive future balance changes<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p><a rel=\"lightbox\" href=\"\/user\/pages\/reuse\/pfs-transfers\/payouts\/payout-amount-calculation\/positive-balance-changes.png\" src=\"\">\n  <img alt=\"Available balance example with positive future balance changes\" src=\"\/user\/pages\/reuse\/pfs-transfers\/payouts\/payout-amount-calculation\/positive-balance-changes.png\" \/>\n<\/a><\/p>\n<ul>\n<li>At the current time T, the current balance of the balance account is 100 USD.<\/li>\n<li>The total of the debits and credits scheduled for T+1 (USD&nbsp;-50) and T+2 (USD&nbsp;+80) is USD&nbsp;30.<\/li>\n<li>Because the future balance changes result in a positive amount, Adyen ignores this amount when calculating the available balance.<\/li>\n<li>The available balance for the payout at T is the current balance of USD&nbsp;100.<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#example-3-balance-account-has-negative-future-balance-changes\">\n                                    <h4 class=\"adl-accordion__title\">Example 3: Balance account has negative future balance changes<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p><a rel=\"lightbox\" href=\"\/user\/pages\/reuse\/pfs-transfers\/payouts\/payout-amount-calculation\/negative-balance-changes.png\" src=\"\">\n  <img alt=\"Available balance example with negative future balance changes\" src=\"\/user\/pages\/reuse\/pfs-transfers\/payouts\/payout-amount-calculation\/negative-balance-changes.png\" \/>\n<\/a><\/p>\n<ul>\n<li>At the current time T, the current balance of the balance account is USD&nbsp;100.<\/li>\n<li>The total of the debits and credits scheduled for T+1 (USD&nbsp;-50) and T+2 (USD&nbsp;+30) is USD&nbsp;-20.<\/li>\n<li>Because the future balance changes result in a negative amount, Adyen considers this amount for calculating the available balance.<\/li>\n<li>The available balance for the balance sweep at T is the current balance minus future balance changes, or USD&nbsp;80.<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<h2 id=\"pay-out-current-balance\">Pay out the current balance<\/h2>\n<div class=\"sc-notice info\"><div>\n<p>To enable this configuration: <\/p>\n<ul>\n<li>Reach out to your Adyen contact.<\/li>\n<li>Make sure that your <a href=\"\/pt\/platforms\/manage-reserve-account\">reserve account<\/a> has enough available balance.\n<\/div><\/div><\/li>\n<\/ul>\n<p>When the maximum payout amount is equal to the available balance, your platform is protected from potential obligations that may arise due to negative balances. However, this can make reconciliation more difficult, because the payout amount may not be equal to the amount of settled funds.<\/p>\n<p>To simplify reconciliation, Adyen can set the maximum payout amount to equal the current balance. This configuration allows you to pay out all funds already settled in a balance account. If the balance account has future negative balance changes, Adyen blocks part of the funds in your <a href=\"\/pt\/platforms\/manage-reserve-account\">reserve account<\/a> as collateral for the payout.<\/p>\n<p>The following diagram shows an overview of the process for paying out the current balance:<\/p>\n<p><a rel=\"lightbox\" href=\"\/user\/pages\/reuse\/pfs-transfers\/payouts\/payout-amount-calculation\/pay-out-current-balance.svg\" src=\"\">\n  <img alt=\"\" src=\"\/user\/pages\/reuse\/pfs-transfers\/payouts\/payout-amount-calculation\/pay-out-current-balance.svg\" \/>\n<\/a><\/p>\n<p>As shown in the previous diagram, the process for paying out the current balance is as follows:<\/p>\n<ol>\n<li>You make a request to pay out the current balance.<\/li>\n<li>Adyen compares the current balance and the available balance:\n<ul>\n<li>If the current balance is equal to the available balance, Adyen pays out the current balance.<\/li>\n<li>If the current balance is higher than the available balance, Adyen verifies the balance in your reserve account.<\/li>\n<\/ul><\/li>\n<li>Adyen verifies the balance in your reserve account:\n<ul>\n<li>If your reserve account has enough funds to cover the difference between the current balance and available balance, Adyen blocks an amount in your reserve account equal to this difference. This amount is held as collateral for the future negative balance changes.<\/li>\n<li>If your reserve account does not have enough funds, the payout fails.<\/li>\n<\/ul><\/li>\n<li>If all previous steps are successful, Adyen processes the payout of the current balance.<\/li>\n<\/ol>\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#example-paying-out-current-balance-of-account-with-future-negative-balance-changes\">\n                                    <h4 class=\"adl-accordion__title\">Example: Paying out current balance of account with future negative balance changes<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>You want to pay out the current balance of a user. The balances in your user's balance account and your reserve account are as follows:<\/p>\n<table>\n<thead>\n<tr>\n<th>Balance<\/th>\n<th>Balance account<\/th>\n<th>Reserve account<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Current<\/strong><\/td>\n<td>USD 1000<\/td>\n<td>USD 100000<\/td>\n<\/tr>\n<tr>\n<td><strong>Reserved<\/strong><\/td>\n<td>USD -300<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Pending<\/strong><\/td>\n<td>USD 100<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Available<\/strong><\/td>\n<td>USD 800<\/td>\n<td>USD 100000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>After you make the payout request, the following process occurs:<\/p>\n<ol>\n<li>Adyen compares the current balance to the available balance.<br \/>\nThe current balance is higher than the available balance by USD 200, so Adyen must verify the balance in your reserve account before processing the payout.<\/li>\n<li>Adyen verifies the balance in your reserve account.<br \/>\nThe available balance in the reserve account is USD 100000, which is more than USD 200.<\/li>\n<li>Adyen blocks USD 200 in your reserve account as collateral for the payout.<\/li>\n<li>Adyen processes the payout of your user's current balance, which is USD 1000.<\/li>\n<\/ol>\n<p>After the current balance is successfully paid out, the balances in your user's balance account and your reserve account are as follows:<\/p>\n<table>\n<thead>\n<tr>\n<th>Balance<\/th>\n<th>Balance account<\/th>\n<th>Reserve account<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Current<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 100000<\/td>\n<\/tr>\n<tr>\n<td><strong>Reserved<\/strong><\/td>\n<td>USD -300<\/td>\n<td>USD -200<\/td>\n<\/tr>\n<tr>\n<td><strong>Pending<\/strong><\/td>\n<td>USD 100<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Available<\/strong><\/td>\n<td>USD -200<\/td>\n<td>USD 99800<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<h3>Compensating negative available balances<\/h3>\n<p>Adyen holds the collateral until your user's balance account receives enough funds to compensate the negative available balance. The amount of the collateral is unblocked gradually, in proportion to the amount of the negative balance that has been covered.<\/p>\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#example-negative-balance-is-compensated-by-incoming-funds\">\n                                    <h4 class=\"adl-accordion__title\">Example: Negative balance is compensated by incoming funds<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>After paying out your user's current balance and settling all reserved and pending funds, your user's balance account has a negative balance of USD -200. To cover for this negative balance, Adyen blocked USD 200 in your reserve account as collateral.<\/p>\n<p>In this case, the balances in your user's balance account and your reserve account are as follows:<\/p>\n<table>\n<thead>\n<tr>\n<th>Balance<\/th>\n<th>Balance account<\/th>\n<th>Reserve account<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Current<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 100000<\/td>\n<\/tr>\n<tr>\n<td><strong>Reserved<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD -200<\/td>\n<\/tr>\n<tr>\n<td><strong>Pending<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Available<\/strong><\/td>\n<td>USD -200<\/td>\n<td>USD 99800<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Days after the payout, your user receives USD 100 from sales funds. These incoming funds compensate part of the negative balance in your user's balance account, so now your user's balance is USD -100. Because your user's negative balance was partially compensated, the amount of your collateral is now reduced from USD 200 to USD 100.<\/p>\n<p>After settling the incoming sales funds, the balances in your user's balance account and your reserve account are as follows:<\/p>\n<table>\n<thead>\n<tr>\n<th>Balance<\/th>\n<th>Balance account<\/th>\n<th>Reserve account<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Current<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 100000<\/td>\n<\/tr>\n<tr>\n<td><strong>Reserved<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD -100<\/td>\n<\/tr>\n<tr>\n<td><strong>Pending<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Available<\/strong><\/td>\n<td>USD -100<\/td>\n<td>USD 99900<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Consider that in the following days, your user receives USD 150 from additional sales funds. These funds completely compensate your user's negative balance. After this, the remaining amount of your collateral is unblocked.<\/p>\n<p>After settling the incoming sales funds, the balances in your user's balance account and your reserve account are now as follows:<\/p>\n<table>\n<thead>\n<tr>\n<th>Balance<\/th>\n<th>Balance account<\/th>\n<th>Reserve account<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Current<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 100000<\/td>\n<\/tr>\n<tr>\n<td><strong>Reserved<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Pending<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Available<\/strong><\/td>\n<td>USD 50<\/td>\n<td>USD 100000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<p>If your user's balance remains negative for 30 days, Adyen transfers the remaining amount of the collateral from your reserve account to your user's balance account. For this transfer, Adyen sends a <a href=\"\/pt\/platforms\/internal-fund-transfers\/internal-transfer-webhooks#internal-funds-transfer\">webhook<\/a> to your server. The webhook provides all the details of the initiated transfer.<\/p>\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#example-negative-balance-remains-for-more-than-30-days\">\n                                    <h4 class=\"adl-accordion__title\">Example: Negative balance remains for more than 30 days<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>After paying out your user's current balance and settling all reserved and pending funds, your user's balance account has a negative balance of USD -200. To cover for this negative balance, Adyen blocked USD 200 in your reserve account as collateral.<\/p>\n<p>In this case, the balances in your user's balance account and your reserve account are as follows:<\/p>\n<table>\n<thead>\n<tr>\n<th>Balance<\/th>\n<th>Balance account<\/th>\n<th>Reserve account<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Current<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 100000<\/td>\n<\/tr>\n<tr>\n<td><strong>Reserved<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD -200<\/td>\n<\/tr>\n<tr>\n<td><strong>Pending<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Available<\/strong><\/td>\n<td>USD -200<\/td>\n<td>USD 99800<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Consider that, after 30 days, the balance in your user's balance account remains negative. To compensate this negative balance, Adyen transfers the blocked collateral amount (USD 200) to your user's balance account.<\/p>\n<p>After this transfer, the balances in your user's balance account and your reserve account are as follows:<\/p>\n<table>\n<thead>\n<tr>\n<th>Balance<\/th>\n<th>Balance account<\/th>\n<th>Reserve account<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Current<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 99800<\/td>\n<\/tr>\n<tr>\n<td><strong>Reserved<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Pending<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 0<\/td>\n<\/tr>\n<tr>\n<td><strong>Available<\/strong><\/td>\n<td>USD 0<\/td>\n<td>USD 99800<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<h2>Check the balances in your user's balance account<\/h2>\n<p>Before you make a payout, we recommend that you check the balances in your user's balance account. You can use one of the following options:<\/p>\n<ul>\n<li>Make a GET  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/balanceplatform\/latest\/get\/balanceAccounts\/(id)\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/balanceAccounts\/{id}<\/a> request to get the details of the balance account.<\/li>\n<li><a href=\"\/pt\/platforms\/view-transfers-details?tab=ca-transfer-list_1\">View the details of the balance account<\/a> in your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>.<\/li>\n<li><a href=\"\/pt\/platforms\/balance-updates\">Track balance updates<\/a> using balance webhooks.<\/li>\n<\/ul>","url":"https:\/\/docs.adyen.com\/pt\/marketplaces\/payout-to-users\/payout-amount","articleFields":{"description":"Learn how Adyen calculates the amount that you can pay out to your user.","feedback_component":true,"id":"25142905","type":"page","_expandable":null,"operations":"","status":"current","last_edit_on":"20-04-2022 10:24","cache_enable":false,"parameters":{"directoryPath":"\/platforms","model":"platform","counterpartyType":"transferInstrument","transferType":"payout"},"page_id":"f9919d58-0e39-485c-b858-1adc789a2b24","filters_component":false,"decision_tree":"[]"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/marketplaces\/payout-to-users\/payout-amount","title":"Calculating the payout amount","content":"Before making a scheduled or on-demand payout to a user, Adyen calculates the maximum amount that you can pay out to them. This calculation is based on the balances on their balance account.\nCalculating the payout amount allows you to protect your platform from any potential obligations that may arise due to users holding a negative balance.\nThis page explains how Adyen calculates the payout amount.\nRequirements\nBefore you begin, take into account the following requirements:\n\n    \n        \n        \n    \n    \n        \n            Requirement\n            Description\n        \n    \n    \n        \n            \nIntegration type\n\n            \nYou need an Adyen for Platforms integration.\n\n        \n        \n            \nSetup steps\n\n            \n                To configure your platform to pay out the current balance:\n                \n                    \nReach out to your Adyen contact.\n\n                    \nMake sure that your reserve account has enough available balance.\n\n                \n            \n        \n    \n\nHow Adyen calculates the maximum payout amount\nAdyen allows you to pay out an amount equal to or less than the maximum payout amount. The method in which Adyen calculates the maximum payout amount depends on the payout configuration that is enabled in your platform. You can enable one of the following configurations:\n\n\n  Pay out the available balance\n: The maximum payout amount is the available balance. The available balance is the sum of all funds already settled minus any negative balance that will be settled in the future. This is the default configuration.\n\n  Pay out the current balance\n: The maximum payout amount is the current balance. The current balance is the sum of all funds already settled in your user's balance account. To enable this configuration, reach out to your Adyen contact.\n\nYour platform can use only one of these configurations at a time. The same configuration applies to all balance accounts in your platform.\nThe following sections explain the details of both configurations.\nPay out the available balance (default)\nBy default, Adyen sets the maximum payout amount to equal the available balance in a user's balance account. Adyen calculates the available balance as follows:\n\nAdyen calculates the current balance: Adyen sums all funds that have already been settled in your user's balance account.\nAdyen calculates future balance changes: Adyen sums all funds that will be settled in the future in your user's balance account. These funds are reflected in the reserved and pending balances.\nAdyen calculates the available balance:\n\nIf the sum of future balance changes is negative, Adyen subtracts the future balance changes from the current balance to calculate the available balance.\nIf the sum of future balance changes is positive or zero, Adyen determines that the available balance is equal to the current balance.\n\n\nExpand the following subsections to see examples of how Adyen calculates the available balance of a balance account.\n\n    \n    \n        \n            \n            \n                                    Example 1: Balance account has zero future balance changes\n                            \n        \n        \n            \n\n  \n\n\nAt the current time T, the current balance of the balance account is USD&nbsp;100.\nThe total of the debits and credits scheduled for T+1 (USD&nbsp;-15) and T+2 (USD&nbsp;+15) is USD&nbsp;0.\nBecause the future balance changes result in a zero amount, Adyen ignores this amount when calculating the available balance.\nThe available balance for the payout at T is the current balance of USD&nbsp;100.\n\n\n        \n    \n\n\n\n    \n    \n        \n            \n            \n                                    Example 2: Balance account has positive future balance changes\n                            \n        \n        \n            \n\n  \n\n\nAt the current time T, the current balance of the balance account is 100 USD.\nThe total of the debits and credits scheduled for T+1 (USD&nbsp;-50) and T+2 (USD&nbsp;+80) is USD&nbsp;30.\nBecause the future balance changes result in a positive amount, Adyen ignores this amount when calculating the available balance.\nThe available balance for the payout at T is the current balance of USD&nbsp;100.\n\n\n        \n    \n\n\n\n    \n    \n        \n            \n            \n                                    Example 3: Balance account has negative future balance changes\n                            \n        \n        \n            \n\n  \n\n\nAt the current time T, the current balance of the balance account is USD&nbsp;100.\nThe total of the debits and credits scheduled for T+1 (USD&nbsp;-50) and T+2 (USD&nbsp;+30) is USD&nbsp;-20.\nBecause the future balance changes result in a negative amount, Adyen considers this amount for calculating the available balance.\nThe available balance for the balance sweep at T is the current balance minus future balance changes, or USD&nbsp;80.\n\n\n        \n    \n\n\nPay out the current balance\n\nTo enable this configuration: \n\nReach out to your Adyen contact.\nMake sure that your reserve account has enough available balance.\n\n\nWhen the maximum payout amount is equal to the available balance, your platform is protected from potential obligations that may arise due to negative balances. However, this can make reconciliation more difficult, because the payout amount may not be equal to the amount of settled funds.\nTo simplify reconciliation, Adyen can set the maximum payout amount to equal the current balance. This configuration allows you to pay out all funds already settled in a balance account. If the balance account has future negative balance changes, Adyen blocks part of the funds in your reserve account as collateral for the payout.\nThe following diagram shows an overview of the process for paying out the current balance:\n\n  \n\nAs shown in the previous diagram, the process for paying out the current balance is as follows:\n\nYou make a request to pay out the current balance.\nAdyen compares the current balance and the available balance:\n\nIf the current balance is equal to the available balance, Adyen pays out the current balance.\nIf the current balance is higher than the available balance, Adyen verifies the balance in your reserve account.\n\nAdyen verifies the balance in your reserve account:\n\nIf your reserve account has enough funds to cover the difference between the current balance and available balance, Adyen blocks an amount in your reserve account equal to this difference. This amount is held as collateral for the future negative balance changes.\nIf your reserve account does not have enough funds, the payout fails.\n\nIf all previous steps are successful, Adyen processes the payout of the current balance.\n\n\n    \n    \n        \n            \n            \n                                    Example: Paying out current balance of account with future negative balance changes\n                            \n        \n        \n            \nYou want to pay out the current balance of a user. The balances in your user's balance account and your reserve account are as follows:\n\n\n\nBalance\nBalance account\nReserve account\n\n\n\n\nCurrent\nUSD 1000\nUSD 100000\n\n\nReserved\nUSD -300\nUSD 0\n\n\nPending\nUSD 100\nUSD 0\n\n\nAvailable\nUSD 800\nUSD 100000\n\n\n\nAfter you make the payout request, the following process occurs:\n\nAdyen compares the current balance to the available balance.\nThe current balance is higher than the available balance by USD 200, so Adyen must verify the balance in your reserve account before processing the payout.\nAdyen verifies the balance in your reserve account.\nThe available balance in the reserve account is USD 100000, which is more than USD 200.\nAdyen blocks USD 200 in your reserve account as collateral for the payout.\nAdyen processes the payout of your user's current balance, which is USD 1000.\n\nAfter the current balance is successfully paid out, the balances in your user's balance account and your reserve account are as follows:\n\n\n\nBalance\nBalance account\nReserve account\n\n\n\n\nCurrent\nUSD 0\nUSD 100000\n\n\nReserved\nUSD -300\nUSD -200\n\n\nPending\nUSD 100\nUSD 0\n\n\nAvailable\nUSD -200\nUSD 99800\n\n\n\n\n        \n    \n\n\nCompensating negative available balances\nAdyen holds the collateral until your user's balance account receives enough funds to compensate the negative available balance. The amount of the collateral is unblocked gradually, in proportion to the amount of the negative balance that has been covered.\n\n    \n    \n        \n            \n            \n                                    Example: Negative balance is compensated by incoming funds\n                            \n        \n        \n            \nAfter paying out your user's current balance and settling all reserved and pending funds, your user's balance account has a negative balance of USD -200. To cover for this negative balance, Adyen blocked USD 200 in your reserve account as collateral.\nIn this case, the balances in your user's balance account and your reserve account are as follows:\n\n\n\nBalance\nBalance account\nReserve account\n\n\n\n\nCurrent\nUSD 0\nUSD 100000\n\n\nReserved\nUSD 0\nUSD -200\n\n\nPending\nUSD 0\nUSD 0\n\n\nAvailable\nUSD -200\nUSD 99800\n\n\n\nDays after the payout, your user receives USD 100 from sales funds. These incoming funds compensate part of the negative balance in your user's balance account, so now your user's balance is USD -100. Because your user's negative balance was partially compensated, the amount of your collateral is now reduced from USD 200 to USD 100.\nAfter settling the incoming sales funds, the balances in your user's balance account and your reserve account are as follows:\n\n\n\nBalance\nBalance account\nReserve account\n\n\n\n\nCurrent\nUSD 0\nUSD 100000\n\n\nReserved\nUSD 0\nUSD -100\n\n\nPending\nUSD 0\nUSD 0\n\n\nAvailable\nUSD -100\nUSD 99900\n\n\n\nConsider that in the following days, your user receives USD 150 from additional sales funds. These funds completely compensate your user's negative balance. After this, the remaining amount of your collateral is unblocked.\nAfter settling the incoming sales funds, the balances in your user's balance account and your reserve account are now as follows:\n\n\n\nBalance\nBalance account\nReserve account\n\n\n\n\nCurrent\nUSD 0\nUSD 100000\n\n\nReserved\nUSD 0\nUSD 0\n\n\nPending\nUSD 0\nUSD 0\n\n\nAvailable\nUSD 50\nUSD 100000\n\n\n\n\n        \n    \n\n\nIf your user's balance remains negative for 30 days, Adyen transfers the remaining amount of the collateral from your reserve account to your user's balance account. For this transfer, Adyen sends a webhook to your server. The webhook provides all the details of the initiated transfer.\n\n    \n    \n        \n            \n            \n                                    Example: Negative balance remains for more than 30 days\n                            \n        \n        \n            \nAfter paying out your user's current balance and settling all reserved and pending funds, your user's balance account has a negative balance of USD -200. To cover for this negative balance, Adyen blocked USD 200 in your reserve account as collateral.\nIn this case, the balances in your user's balance account and your reserve account are as follows:\n\n\n\nBalance\nBalance account\nReserve account\n\n\n\n\nCurrent\nUSD 0\nUSD 100000\n\n\nReserved\nUSD 0\nUSD -200\n\n\nPending\nUSD 0\nUSD 0\n\n\nAvailable\nUSD -200\nUSD 99800\n\n\n\nConsider that, after 30 days, the balance in your user's balance account remains negative. To compensate this negative balance, Adyen transfers the blocked collateral amount (USD 200) to your user's balance account.\nAfter this transfer, the balances in your user's balance account and your reserve account are as follows:\n\n\n\nBalance\nBalance account\nReserve account\n\n\n\n\nCurrent\nUSD 0\nUSD 99800\n\n\nReserved\nUSD 0\nUSD 0\n\n\nPending\nUSD 0\nUSD 0\n\n\nAvailable\nUSD 0\nUSD 99800\n\n\n\n\n        \n    \n\n\nCheck the balances in your user's balance account\nBefore you make a payout, we recommend that you check the balances in your user's balance account. You can use one of the following options:\n\nMake a GET  \/balanceAccounts\/{id} request to get the details of the balance account.\nView the details of the balance account in your Customer Area.\nTrack balance updates using balance webhooks.\n","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Marketplaces","lvl2":"Pay out to your users","lvl3":"Calculating the payout amount"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/marketplaces","lvl2":"https:\/\/docs.adyen.com\/pt\/marketplaces\/payout-to-users","lvl3":"\/pt\/marketplaces\/payout-to-users\/payout-amount"},"levels":4,"category":"Marketplaces","category_color":"green","tags":["Calculating","payout","amount"]}}