Balance & payouts

The Balance page separates your money into Available and Pending amounts.

Available balance is the amount that is currently available for payout.

If your account supports manual payouts or instant payouts, payout options can appear below Available to withdraw for the relevant currency.

Pending balance is money that is still processing and is not yet available for payout.

Pending amounts can include recent payments that have not yet become available. The amount moves into your available balance when processing is complete.

Balances are shown separately by currency.

Do not add balances in different currencies together. Use the amount and currency shown in the app when checking balances, payouts, reports, or payment activity.

Manual payouts are available only when your account supports them.

If manual payouts are available, the Manual payout section shows the amount that can be requested under Available to withdraw. ShopWired Pay checks payout availability again when the payout is submitted, so a payout can be refused if the balance or account status changes before confirmation.

To request a manual payout:

1. Navigate to Balance in the app
2. Find the Manual payout section for the relevant currency
3. Enter the payout amount in the field showing the "0.00" placeholder
4. Review the payout details
5. Select Initiate manual payout

Instant payouts are user-requested payouts that use instant payout availability on your account.

This section does not cover automatic instant payouts generated after some payments.

Instant payouts are available only when your account, payout destination, currency, and available balance support them. If instant payouts are not available, the Instant payouts section will not be shown.

Before you confirm an instant payout, the app shows:

• The payout amount
• Fee, if one applies
• Total balance debit
• The payout destination, where available

If the payout amount plus the instant payout fee is higher than the available instant payout balance, the app will not allow the payout to be submitted.

To request an instant payout:

1. Navigate to Balance in the app
2. Find the Instant payouts section for the relevant currency
3. Enter the payout amount in the field showing the "0.00" placeholder
4. Review Fee and Total balance debit
5. Select Initiate instant payout

The Balance page shows recent payouts in the Payouts section. Select a payout to view more information.

Payout details can include:

• Payout amount and currency
• Payout status
• ID
• Deposited, Estimated arrival, Failed, or Status uncertain, depending on the payout status
• Destination, where available
• Fee, where applicable
• Fee collection, where applicable
• Payments, where available

Some payouts can include a Payments section showing the payments included in that payout. If the app shows "No payments in this payout", use the payout amount, payout status, and related reports to review the activity.

Payouts can be delayed or fail for several reasons, including bank processing times, weekends, bank holidays, account checks, payout destination issues, or account restrictions.

If a payout has not arrived:

1. Navigate to Balance in the app
2. Select the payout from the Payouts section
3. View the payout status
4. View the arrival date, if one is shown
5. Refresh the Balance page if the status has not changed

If the payout is marked as paid but has not arrived, check the payout destination shown in the payout details.

If the payout still cannot be found, contact ShopWired Pay support. Include the payout amount, currency, status, and date shown in the app.

A payout can take longer than expected if the bank or payment systems need more time to process it.

If the payout is still pending or in progress, wait for the payout status to update. Do not request another payout for the same amount while the first payout is still being processed.

If a payout has failed, view the payout details to check whether the app shows a reason.

If the same problem continues, contact ShopWired Pay support. Include the payout amount, currency, status, and any message shown in the app.

The Balance page shows current available and pending amounts. For more detail about when money is expected to become available, use the Cash availability report.

The Cash availability report can help you review current available, pending, and instant-available balances, along with balance movements that are expected to become available within the selected date range.

This guide does not cover the Cash availability report in detail.

Use the Payout reconciliation report when you need to compare payouts with the payment activity included in those payouts.

The Payout reconciliation report can help with accounting and payout review by showing payouts in a selected date range and, where available, the payment rows included in those payouts.

This guide does not cover the Payout reconciliation report in detail.