Understanding Your Balance
Available via: Dashboard and API (
GET /api/balance)
Overview
The Balance page in your Inflow Dashboard provides a complete view of your funds:
| Section | Description |
|---|---|
| Available Balance | Funds available for withdrawal |
| Pending | Payments that are authorized but not yet settled |
| Deposits | Incoming payments and their status |
| Payouts | Outgoing withdrawals to your bank/wallet |
How Your Balance Works
GET /api/balance is the source of truth for programmatic integrations (including Connect with X-On-Behalf-Of). The response includes custodialBalances: separate USDC and EURC buckets. There is no automatic cross-currency conversion — funds stay in the settlement currency for the payment rail:
| Customer pays (rail) | Settled into your balance (approx.) |
|---|---|
| EUR (e.g. SEPA, EUR card) | EURC (~€1 credited per €1 received, net of fees) |
| USD (e.g. ACH, USD card) | USDC (~$1 credited per $1 received, net of fees) |
The top-level currencySymbol / readableAmount fields reflect the primary USDC line for backward compatibility; use custodialBalances for per-currency amounts.
When a customer completes a payment:
- The payment is authorized → appears as "pending."
- The payment settles → funds move to "available."
- You request a payout → funds are sent to your bank or wallet.
For platforms and marketplaces, balances can exist per seller instead of only on your own merchant account. Use Connect to onboard sub-merchants and see Fees and Payouts for how each payment is split between the seller, your platform fee, and Inflow fees.
Balance Features
Deposits
View all incoming deposits (settled payments) with:
- Amount and currency
- Source (payment link, subscription, API)
- Date and status
Accounts
Manage your payout destinations:
- Bank accounts — EUR, USD accounts (see Global Payout Coverage for full list)
- Crypto wallets — USDC or EURC on supported networks (opt-in)
Virtual Accounts (IBANs)
Inflow provides dedicated virtual IBANs for receiving bank transfers. See Receiving Funds via Virtual IBANs for details.
Yield
Activate Yield to earn interest on your idle balance. Currently paused — expected to be re-enabled soon. See Earn Yield on Your Balance.
Analytics
The Balance page includes charts showing:
- Balance over time
- Deposit and payout history
- Settlement trends