From September 1, 2026, we’ll update our funds availability checks from Bank Payouts to check against the available balance only.
If your available balance is sufficient at the time of instruction, your payouts will process as normal. If your available balance is insufficient, the payout will be declined, and you’ll receive a webhook with the code 50003 - Balance reservation insufficient funds.
You’ll need to ensure you have sufficient available balances on your account to fund your bank payout volumes before we make this change.
Use our Business Account features to account for changes caused by your settlement frequency and avoid payout interruptions:
- Balance minimum: Available for entities in Europe, Singapore, the UK, and US. Balance minimum lets you hold a configurable amount in your Available balance to ensure you always have sufficient balances to cover refund amounts.
- Balance top-ups: lets you add one-off funding top-ups to your Available or Operational balances, ensuring you can process refunds if you expect your refund requests to increase.
- Balance notifications: lets you know when your Available balance falls below a specified threshold, helping you to act before your balance goes negative
- Update your settlement schedule: using a slower settlement frequency can help ensure that your Available balance is sufficient to cover your refund requests
Note: We will continue to use your available, pending, and operational balances to check funds availability for Card Payouts and Issuing.