Fund your Issuing balance
Last updated: April 30, 2025
Add funds to the Available balance of the sub-accounts you use for Issuing to enable your cardholders to make payments using their cards.
Note
If you have insufficient funds in your Available balance, your cardholders’ transactions are declined.
See Manage your balance.
You can fund your Issuing balance using the following sources:
- Funds from your bank account
- Funds collected through Acquiring
There is no limit on the amount you can fund your balance in a single action from any source. The funds appear in your Available balance and are usable by your cardholders within 24 hours.
- Sign in to the Dashboard.
- Go to Business account > Balances.
- Select Add funds.
- From the dropdown menu, select the sub-account you want to add funds to.
- Select Available balance.
- Select Local or International transfer.
The relevant Checkout.com bank details and the payment reference are displayed. You can use the same bank details and payment reference for all transfers of the same type. - Make a transfer from your bank account using these details.
Ensure that you add the reference with its prefix to the payment you make from your bank. Do not use any special characters. This prevents delays in funds becoming available on your account. - Select Done.
Information
Any funds you add are reflected in your activity chart on the Balances screen and financial reports.
Note
If you’re sending currencies internationally, it may take longer for Checkout.com to receive the funds and add them to your Checkout Business Account.
If you use Checkout.com for both Acquiring and Issuing, you can use a joint sub-account for both and automatically fund your Issuing balance using your Acquiring revenue.
Information
To enable funding from Acquiring, contact your account manager.
You can configure to receive email notifications every time your Issuing balance falls below a specified threshold using the Dashboard. See Configure balance notifications.
Your Operational balance can also serve as a backup if there are insufficient funds in your Available balance to ensure cardholders' transactions are not declined. Contact your account manager to discuss.
To check your Issuing balance, call the Retrieve entity balances endpoint, and provide the entity ID as the {id} path parameter:
get
https://balances.checkout.com/balances/{id}