From September 1, 2025, we’ll improve how we reflect the movement of funds in your balances and reports.
These changes will give you a clearer view of funds due to arrive in your bank account. Only funds that are ready to be settled will appear in your Available balance, making it easier to predict what you’ll receive from us.
Impact on your balances
During the period between a sale and transactions being ready for settlement, we’ll show the funds and fees applicable to transactions as Pending in your balances.
Funds may be netted from your Pending balances, such as for refunds and chargebacks, and will only transition to Available when they are ready for settlement:
| Note: While your settlement batch will continue to be made up of captures from Day 0, we may apply fees, reserves, and other adjustments to your Available balance that will affect the final settlement amount. |
How this affects you
When these changes take effect, we’ll update our reports generated via the Dashboard, API, SFTP, and webhooks to show the first impact of funds moving to the Pending or Available balance. Additionally, if you have a rolling reserve set up as part of your contract or use Funds Pooling, there will be changes to how we net funds from your balances.
The following sections explain in detail how the changes affect your reports, funds pooling, and reserves (where applicable). We recommend reviewing this information in detail to understand if you’ll need to update any software you use to process the affected reports.
| Note: Entities in APAC and entities that use our Bank Payouts, Card Payouts, or Issuing solutions will transition to the new balances and reports model later in the year. |
Reporting changes
| Note: To prepare for the changes, we’re making an update from August to move transactions to the Available balance shortly after midnight, instead of throughout the day. |
You can see examples of how this will affect the Financial Actions and Breakdown reports in the examples below. The report columns won’t change until we make further updates in September.
Financial Actions reports
The Financial Actions by Date Range and Financial Actions by Payout ID reports will now show the first transaction impact on the Pending balance or the first impact on the Available balance. They will also contain two new optional Available On fields, showing when transactions in your Pending balance will move to your Available balance:
- Current format – Financial Actions Report
- New format – Financial Actions Report
Breakdown reports
The Settlement Breakdown and Balance Breakdown reports will now show financial movements that impact your Pending or Available balance during a selected time frame. The Available On column will reflect the time at which these funds will move to your Available balance:
- Current format – Breakdown Report
- New format – Breakdown Report
Balance Report
The Balance Report will now show both the opening and closing Available and Pending balances in a specified timeframe. It will also contain a new mandatory Balance Type field showing where a funds movement affects the Pending balance, and a new mandatory Transitioning Balance field, which shows the funds that have transitioned from your Pending balance to the Available balance:
- Current format – Balance Report
- New format – Balance Report
Impact on rolling reserves
If you have a rolling reserve set up as part of your agreement with Checkout.com, funds held in this reserve will now be deducted from your Pending balance. This will be reflected in movements of the Pending balance to the Available balance in your reports.
Impact on Funds Pooling
If you use Funds Pooling to auto-transfer funds from other sub-accounts when processing payouts and there is no Available balance in your originating or other currency accounts, we will transfer funds from your Pending balance, starting with your originating account and then transferring from other currency accounts.
This will be reflected in any movements of the Pending balance to the Available balance in your reports.