Balances: Ledger Vs. Pending

Owners and admins can view account balances in Account Details. This page shows your ledger, available, and minimum balances.

Balance Types

Your account includes three primary balance types. Each balance reflects a different view of your funds.

Ledger Balance

The ledger balance is the total amount of money in your account at the current moment. It does not include pending transactions.

Available Balance

The available balance is the amount you can spend. It includes the funds in your account and subtracts pending transactions.

In most cases, the available balance is lower than the ledger balance. An exception may occur when a large refund is processing.

Minimum Balance

The minimum balance reflects the lowest required balance for your account.

For more information, see Minimum Balances.

Pending Transactions

Pending transactions are temporary authorizations that have not yet fully cleared.

Card payments typically take up to three business days to clear. During this time, the funds are reserved and cannot be used, but they have not yet been transferred to the merchant.

Once the transaction clears, the funds are transferred to the merchant associated with the transaction.

For more information, see Pending Transactions.