Fund your Issuing balance
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Last updated: March 22, 2023
Add funds to the balance on your Issuing account so your cardholders can perform transactions using their cards.
Note
If you have insufficient funds in your balance, your cardholders’ transactions will be declined.
You can use any of the following sources to fund your Issuing balance:
- funds from your bank account
- funds collected through acquiring
- funds from your sub-entity accounts
There are no limits to the amount you can fund your balance with in a single action, regardless of the source you use.
The updated balance will be reflected in your account, and usable by your cardholders, within 24 hours.
Top up your Issuing balance by transferring money from another bank account.
If you use Checkout.com for both Acquiring and Issuing, you can merge your accounts and automatically fund your Issuing balance using the funds collected through acquiring.

For more information, contact your Customer Success Manager.
If you use a platform model through Checkout.com acquiring, and your sub-entity has payment capabilities enabled, you can use funds collected from the sub-entity's processed payments to fund your Issuing balance.

If you issue cards through a sub-entity, you can transfer funds to the sub-entity's balance account using the Transfers API. This enables cardholders to make payments, using the sub-entity's funds.
post
https://transfers.checkout.com/transfers
1{2"reference": "superhero1234",3"transfer_type": "commission",4"source": {5"id": "ent_azsiyswl7bwe2ynjzujy7lcjca",6"amount": 1007},8"destination": {9"id": "ent_w4jelhppmfiufdnatam37wrfc4"10}11}
1{2"id": "tra_y3oqhf46pyzuxjbcn2giaqnb4",3"status": "pending",4"_links": {5"self": "https://transfers.checkout.com/transfers/tra_y3oqhf46pyzuxjbcn2giaqnb4"6}7}
As with your main Issuing account, you can fund the sub-entity's Issuing balance using funds collected from payments processed on their behalf. You can also choose to redirect a portion of the sub-entity income to your main Issuing account.
You can check your Issuing balance, or your sub-entity’s balance, at any time using the following endpoint:
get
https://balances.checkout.com/balances/{id}
1{2"data": [3{4"descriptor": "Revenue Account 1",5"holding_currency": "EUR",6"balances": {7"pending": 10,8"available": 50,9"payable": 0,10"collateral": 011}12}13]14}