Balance Tracking & Account Overview

Understanding Your Balances

Balance Type	Description
Available Balance	Cleared funds ready for payout or transfer to your linked bank account.
Pending / Processing Balance	Recently captured transactions that are currently within the standard settlement holding period.
Total Balance	The combined sum of your Available, Pending, and Reserve balances across all active store accounts.

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Multi-Currency Tip:
Use the Currency Selector dropdown at the top of the dashboard to filter balances by specific processing currencies (e.g., USD, EUR, HKD).

Finance & Settlement: Balance Overview

The Balance Overview page (Finance → Balance → Overview) provides a real-time summary of your current merchant balances, rolling holds, deposit details, and statement activity.

Balance Summary Cards

The top metric cards display real-time financial balances across your merchant account:

Balance Metric	Description & Tooltip Information
Total Balance	The aggregated total balance across all active account categories.
Pending	The accumulated amount held for a specific period after transactions are made.
Available	Funds transferred to your bank account on the next transfer date. Once transferred, the available amount resets to zero and accumulates again for the next cycle.
Next Transfer Date	The expected date of your next automated transfer. Note: Transfers occur only when the minimum transfer threshold is met.
Deposit	Security deposit held based on daily settlements (applies to current settlement currency only).
Security Deposit	Security deposit amount held; not included in daily settlements or bank transfers.
Risk on Hold	Funds held based on daily risk evaluation. This amount may increase or decrease over time based on risk assessments.

Balance Adjustments & Manual Actions

Authorized users can manage deposits, risk holds, and account balances using the top-right action controls:

A. Security Deposit Management

Click the Edit icon next to Security Deposit.
In the popup drawer, select the Operation Type:

Security Deposit Collection: Collect additional deposit funds.
Security Deposit Return: Release held security deposit funds back to the merchant balance.

Enter the Amount and add a Remark explaining the adjustment.
Click Submit.

B. Risk on Hold Management

Click the Edit icon next to Risk on Hold.
Select the Operation Type:

Risk Hold: Apply a manual risk hold on funds.
Risk Release: Release held risk funds back to the active balance.

Select the Hold Type (Manual or Settlement-based).
Enter the Amount, enter a Remark, and click Submit.

C. Quick Balance Buttons

Top Up: Add funds directly to the merchant account balance (e.g., Top Up, Penalty Payment, Security Deposit Collection).
Penalty: Deduct funds due to policy or fee penalties.
Adjust Balance: Perform manual balance adjustments by selecting an operation type (Top Up, Penalty, Security Deposit Collection/Return, Risk Hold/Release).

Statement Activity & Filtering

The Statement table tracks all account movements and balance changes.

Statement Filters

Use the top filter bar to refine statement entries:

Type: Filter by specific movement types (Transfer, Top Up, Penalty, Security Deposit, Risk Hold, Risk Release, etc.).
Quick Date Presets: Filter records by View Transfer Only, Last 3 Days, Last Week, or Last Month.
Date Picker: Select custom start and end date ranges.

Statement Table Columns

Column	Tooltip & Description
Type & Transaction Date Range	Displays movement type and associated transaction date period.
Amount	Net daily settlement transfer amount transferred to your bank account.
Deposit Collected / Returned	Total deposits collected or returned. Same-day collection and return events are aggregated.
Others	Deductions and credits including Transaction Hold/Release, Chargebacks, Fee Adjustments, and Transfer Fees.
Net Change	Net change in account balance (+ indicates an increase, - indicates a decrease).
Ending Balance	Total account balance remaining after the balance change.
To Be Transferred	Amount queued for the next payout transfer.