Balances
Each of your entity sub-accounts has the following types of balances:
- Available
- Collateral
- Operational
- Payable
- Pending
After a payment is processed, the uncleared funds enter your Pending balance. When they are ready for settlement, they move into Available, and are then paid out to your bank account.
If any funds from Available need to be reserved, they move into Payable and are deducted from there when they clear.

The Available balance contains funds that you can use. For example, for settlements, Bank and Card Payouts, sub-account transfers, and Issuing payments.
This balance changes regularly as funds that are ready for settlement enter from the Pending balance.
The Consolidated Available balance is the total of the Available balances for all of an entity's sub-accounts.
The Collateral balance holds funds that Checkout.com reserves to cover potential liabilities and unplanned risk events associated with your payment processing. For example, fraud, chargebacks, refunds, or business closure.
These funds are reserved on a fixed and/or rolling basis, depending on your account configuration.
The Operational balance holds funds as a backup to cover Bank and Card Payouts and Issuing payments when your Available balance is insufficient.
Holding an Operational balance ensures outbound payments are not declined and enables you to continue processing, up to the amount held in this balance.
The Payable balance contains funds reserved from the Available balance for outgoing payments. For example, settlements, Bank and Card Payouts, and Issuing payments that are in transit and yet to clear.
When these payments clear, they are deducted from the Payable balance.
The Pending balance contains incoming funds for payments that are yet to clear, minus any refunds, chargebacks, and fees. Once cleared and ready for settlement, these funds move to your Available balance in line with the settlement speed per sub-account.