Manage balances
Last updated: December 3, 2025
You can view the balances you hold with Checkout.com using the Dashboard or the API.
You can also:
- Manage negative balances.
- Update the default currency for your account.
- Configure email notifications for specific balance events.
To view balances in the Dashboard, you must have one of the following user roles:
- Admin
- A custom role with the
View balancespermission
- Sign in to the Dashboard.
- In the business entity selector, select the client view or entity view.
- Client view – See all sub-accounts of all entities.
- Entity view – See all sub-accounts of a specific entity.
- Go to Business account > Balances.
On the Balances page, you can view:
- Consolidated balances
- All balances for all sub-accounts
- Balance charts
- Opening and closing balances per day
- Consolidated Available – The total of the Available balances for all entity sub-accounts (client view) or all the specific entity's sub-accounts (entity view)
- Consolidated Pending – The total of the Pending balances for all entity sub-accounts or all the specific entity's sub-accounts
The consolidated balances are in your account's default currency.
- Grid view – The Available balance for all entity sub-accounts (client view) or all the specific entity's sub-accounts (entity view)
- List view – All balances for all entity sub-accounts or all the specific entity's sub-accounts
You can see your:
- Available balance activity over time
- Balance activity of funds coming in and going out
- Pending funds availability date – You can use this breakdown to understand when funds will move from Pending to Available, by sub-account currency.
In the client view, you can see the opening and closing balances for all entity sub-accounts for each day, as well as the net change.
Information
If a sub-account has insufficient funds in the Available balance for payouts, you can add funds or enable Funds Pooling. In some regions, you can also use your Pending balance for payouts.
To retrieve a breakdown of your sub-account balances, call the Get entity balances endpoint, and provide the entity ID as the {id} path parameter.
get
https://balances.checkout.com/balances/{id}
Your Available balance may be negative because funds have been deducted or withheld for the following reasons:
- Chargebacks
- Fees
- Fixed or rolling reserves
- Refunds
- Settlements
Information
For more information, see your Balance Report and Balance Breakdown Report.
To restore your balance, you can:
- Add funds from your bank account.
- Transfer funds from another sub-account.
When you onboard with Checkout.com, you can specify a default currency for your account. If you do not specify a currency, your account manager sets one based on your business location.
To change your default currency, contact your account manager or request support.
You can be notified whenever funds are added to a sub-account, or its Available balance falls below a specified threshold. The threshold can be any positive or negative number.
Information
Your sub-account settings determine the threshold currency.
To configure balance notifications in the Dashboard:
- Sign in to the Dashboard.
- In the business entity selector, select the entity to configure notifications for. Alternatively, to configure notifications across all entities, use the client view.
- Select the Settings menu in the top navigation bar, and then select Settings.
- Under Personal settings, select Notifications.
- Open the Balances tab.
- Select the global Enable balance notifications toggle, otherwise you do not receive notifications.
- If you're using the client view, turn on the toggle for each entity you want to enable notifications for.
- Select the notification types you want to enable for the entity's sub-accounts.