Pool your funds
Beta
Last updated: October 14, 2026
Note
Funds Pooling is only available in the following regions: Europe (Checkout SAS), United Kingdom (Checkout Ltd), and United States (Checkout LLC).
If you have insufficient Available or Pending funds in a sub-account for Card Payouts, Issuing payments, and refunds, Checkout.com automatically transfers funds from another sub-account for that entity. This solution:
- Optimizes payment processing by reducing declines due to insufficient funds
- Reduces manual intervention by automatically transferring funds to the sub-accounts where they’re needed
- Uses idle funds efficiently
Information
To enable or disable Funds Pooling, contact your account manager or request support.
If you initiate a card payout, issuing payment, or refund from a sub-account that has insufficient Available or Pending funds, Checkout.com automatically transfers funds from another sub-account in the same pool to fund the payment.
We transfer funds from the pooled sub-account that has the highest Available or Pending balance at the time of the transfer. If the transfer requires a currency conversion, we apply an FX markup as specified in your pricing schedule. For more information, see Currency conversions.
For example, you make payouts from USD and EUR sub-accounts that are part of a pool.
You begin the day with positive balances on both sub-accounts.
At midday, you’ve used up your USD balance and it hits zero.
At 12:05 PM, there's a card payout request in USD, but you’ve not yet added funds to your USD balance.
With Funds Pooling enabled and sufficient funds in your EUR sub-account, we convert the required amount from the EUR sub-account and transfer it to the USD sub-account.
This enables the payout to be made without manual intervention.
You can create multiple pools for your entity and structure them to match your operational and reconciliation needs. You can choose which sub-accounts to include in a pool, as long as they are:
- Owned by the same entity
- Held in a supported currency
- Not already in another pool
Information
To update the sub-accounts in your pools, contact your account manager or request support.
If the sub-accounts are in different currencies, Checkout.com applies the live industry-standard interbank foreign exchange (FX) base rate to convert the amount transferred between your sub-accounts. We also apply an FX markup for each currency conversion, as specified in your Pricing Schedule.
Funds Pooling supports the following currencies in the Eurozone, the United Kingdom (UK), and United States (US).
| Currency | Region |
|---|---|
| Eurozone and UK |
| Eurozone and UK |
| Eurozone and UK |
| Eurozone and UK |
| Eurozone and UK |
| Eurozone |
| Eurozone |
| Eurozone |
| Eurozone, UK, and US |