# Fund your Issuing balance

Add funds to the _Available_ balance of the sub-accounts you use for Issuing to enable your cardholders to make payments using their cards.

> **Note**
>
> If you have insufficient funds in your _Available_ balance, your cardholders’ transactions are declined. <br>
> See [Manage your balance](#Manage_your_balance).

---

## How it works

You can fund your Issuing balance using the following sources:

- Funds from your bank account
- Funds collected through Acquiring

There is no limit on the amount you can fund your balance in a single action from any source.
The funds appear in your _Available_ balance and are usable by your cardholders within 24 hours.

---

## Fund from your bank account

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Balances_.
3. Select _Add funds_.
4. From the dropdown menu, select the sub-account you want to add funds to.
5. Select _Available balance_.
6. Select _Local_ or _International_ transfer.
  <br>The relevant Checkout.com bank details and the payment reference are displayed. You can use the same bank details and payment reference for all transfers of the same type.
6. Make a transfer from your bank account using these details.
  <br>Ensure that you add the reference with its prefix to the payment you make from your bank. Do not use any special characters. This prevents delays in funds becoming available on your account.
7. Select _Done_.

> **Information**
>
> Any funds you add are reflected in your activity chart on the _Balances_ page and [financial reports](https://www.checkout.com/docs/funds-management/retrieve-financial-reports.md).

> **Note**
>
> If you’re sending currencies internationally, it may take longer for Checkout.com to receive the funds and add them to your Checkout Business Account.

---

## Fund from Acquiring revenue

If you use Checkout.com for both Acquiring and Issuing, you can use a joint sub-account for both and automatically fund your Issuing balance using your Acquiring revenue.

![Flowchart showing the setup for a joint issuing and acquiring model](https://www.checkout.com/docs/Issuing/Joint-Issuing-and-Acquiring-setup.png)

> **Information**
>
> To enable funding from Acquiring, contact your account manager.

---

## Manage your balance

You can configure to receive email notifications every time your Issuing balance falls below a specified threshold using the Dashboard.
See [Configure balance notifications](https://www.checkout.com/docs/funds-management/manage-funds/balances/manage-balances.md#Configure_balance_notifications_).

Your [Operational balance](https://www.checkout.com/docs/funds-management/manage-funds/balances.md#Operational_balance) can also serve as a backup if there are insufficient funds in your _Available_ or _Pending_ balances to ensure cardholders' transactions are not declined.
Contact your account manager to discuss.

---

## Check your balance

To check your Issuing balance, call the [Retrieve entity balances](https://api-reference.checkout.com/tag/Balances/#operation/getEntityBalances) endpoint, and provide the entity ID as the `{id}` path parameter:

**Production**

`GET` `https://balances.checkout.com/balances/{id}`

**Sandbox**

`GET` `https://balances.sandbox.checkout.com/balances/{id}`

### Response example

```json
{
  "data": [
    {
      "descriptor": "Revenue Account 1",
      "holding_currency": "EUR",
      "balances": {
        "available": 50000,
        "collateral": 6000,
        "operational": 7000,
        "payable": 2700,
        "pending": 23000
      }
    }
  ]
}
```

---

## Next steps

**[Create and manage cardholders](https://www.checkout.com/docs/card-issuing/create-and-manage-cardholders.md)**

Create a cardholder to issue cards to.

**[Issue a card](https://www.checkout.com/docs/card-issuing/issue-a-card.md)**

Issue a cardholder with a physical or virtual card.