# Manage balances

You can view the [balances](https://www.checkout.com/docs/funds-management/manage-funds/balances.md) you hold with Checkout.com using the Dashboard or the API.

You can also:

- Manage negative balances.
- Update the default currency for your account.
- Set a balance minimum.
- Configure email notifications for specific balance events.

---

## View balances in the Dashboard

To view balances in the Dashboard, you must have one of the following [user roles](https://www.checkout.com/docs/business-operations/use-the-dashboard/manage-users/user-permissions.md#Pre-defined_roles):

- Admin
- A custom role with the `View balances` permission

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. In the business entity selector, select the client view or entity view.
    - Client view – See all sub-accounts of all entities.
    - Entity view – See all sub-accounts of a specific entity.
3. Go to _Business account_ > _Balances_.

On the _Balances_ page, you can view:

 - Consolidated balances
 - All balances for all sub-accounts
 - Balance charts
 - Opening and closing balances per day

### Consolidated balances

- _Consolidated Available_ – The total of the _Available_ balances for all entity sub-accounts (client view) or all the specific entity's sub-accounts (entity view)
- _Consolidated Pending_ – The total of the _Pending_ balances for all entity sub-accounts or all the specific entity's sub-accounts

The consolidated balances are in your account's [default currency](#Manage_your_default_currency).

### Sub-account balances

- Grid view – The _Available_ balance for all entity sub-accounts (client view) or all the specific entity's sub-accounts (entity view)
- List view – All balances for all entity sub-accounts or all the specific entity's sub-accounts

### Balance charts

You can see your:

- _Available_ balance activity over time
- Balance activity of funds coming in and going out
- Pending funds [availability date](https://www.checkout.com/docs/funds-management/receive-settlements.md#Availability_dates) – You can use this breakdown to understand when funds will move from _Pending_ to _Available_, by sub-account currency.

### Opening and closing balances

In the client view, you can see the opening and closing balances for all entity sub-accounts for each day, as well as the net change.

> **Information**
>
> If a sub-account has insufficient funds in the _Available_ or _Pending_ balance for payouts or refunds, you can [add funds](https://www.checkout.com/docs/funds-management/move-funds/add-funds.md) to _Available_ or enable [Funds Pooling](https://www.checkout.com/docs/funds-management/manage-funds/pool-your-funds.md).

---

## View balances using the API

To retrieve a breakdown of your sub-account balances, call the [Get entity balances](https://api-reference.checkout.com/tag/Balances/#operation/getEntityBalances) endpoint, and provide the entity ID as the `{id}` path parameter.

Optionally, you can include the following query parameters:

- `withCurrencyAccountId` – Set to `true` to include the `currency_account_id` field for each sub-account in the response. Default value is `false`.
- `balancesAt` – Set to a UTC datetime value in the past to retrieve balances at a specific point in time. If omitted, the response returns live balances.

**Production**

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

**Sandbox**

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

### Response example

```json
{
  "data": [
    {
      "currency_account_id": "ca_g5y7d6jo4e2urgforcbf2ey5jm",
      "descriptor": "Revenue Account 1",
      "holding_currency": "EUR",
      "balances_as_of": "2026-05-06T13:59:59.9999999+00:00",
      "balances": {
        "available": 50000,
        "collateral": 6000,
        "collateral_breakdown": {
          "fixed_reserve": 4000,
          "rolling_reserve": 2000
        },
        "operational": 7000,
        "payable": 2700,
        "pending": 23000
      }
    }
  ]
}
```
---

## Manage negative balance

Your _Available_ balance may be negative because funds have been deducted or withheld for the following reasons:

- Chargebacks
- [Fees](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/breakdown-types.md#Fees)
- [Fixed or rolling reserves](https://www.checkout.com/docs/funds-management/manage-funds/balances/fixed-and-rolling-reserves.md)
- Refunds
- [Settlements](https://www.checkout.com/docs/funds-management/receive-settlements.md)

> **Information**
>
> For more information, see your [Balance Report](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/balance-reports/balance-report.md) and [Balance Breakdown Report](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/balance-reports/balance-breakdown-report.md).

To restore your balance, you can:

- [Add funds](https://www.checkout.com/docs/funds-management/move-funds/add-funds.md) from your bank account.
- [Transfer funds](https://www.checkout.com/docs/funds-management/move-funds/transfer-funds.md) from another sub-account.

For step-by-step guidance, see Support – [How can I fix a negative balance?](https://support.checkout.com/hc/en-us/articles/26418176914450-How-can-I-fix-a-negative-balance).

---

## Manage your default currency

When you onboard with Checkout.com, you can specify a default currency for your account. If you do not specify a currency, your account manager sets one based on your business location.

To change your default currency, contact your account manager or [request support](https://dashboard.checkout.com/support/new?topic=case_account_management_and_access&issue=issue_account_changes).

---

## Set a balance minimum `Beta`

You can set a minimum amount (greater than zero) to retain in a sub-account's _Available_ balance in the Dashboard.
This enables you to retain funds on Checkout.com's platform to fund refunds, [Bank Payouts](https://www.checkout.com/docs/payments/request-payouts/bank-payouts.md), [Card Payouts](https://www.checkout.com/docs/payments/request-payouts/card-payouts.md), and [Issuing](https://www.checkout.com/docs/card-issuing.md) payments and avoid insufficient funds declines.

You can track and self-manage funds in a single balance, instead of pre-funding your [_Operational_ balance](https://www.checkout.com/docs/funds-management/manage-funds/balances.md#Operational_balance) with your liquidity.

> **Information**
>
> The balance minimum does not affect [Funds Pooling](https://www.checkout.com/docs/funds-management/manage-funds/pool-your-funds.md).

Funds that are [ready for settlement](https://www.checkout.com/docs/funds-management/receive-settlements.md#Ready_for_settlement_funds) above the balance minimum are paid out to your bank account.
If you do not have funds above the minimum, a settlement is not generated.

> **Note**
>
> Checkout.com cannot identify which specific payments are retained in the balance minimum and which are included in settlement payouts.

To set a balance minimum, you need one of the following [user roles](https://www.checkout.com/docs/business-operations/use-the-dashboard/manage-users/user-permissions.md):

- Admin
- A custom role with the `Change bank account details and balance minimums` permission

To update a sub-account's balance minimum:

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. In the business entity selector, select the entity you want to set a balance minimum for.
3. Select the _Settings_ menu in the top navigation bar, and then select _Settings_.
3. On the _Settings_ page, under _Business settings_, select _Bank settlements_.
4. On the _Bank settlements_ page, under _Bank accounts and schedules_, select the payout schedule you want to set a balance minimum for.
5. On the _Settlement schedule details_ page, under _Thresholds_, in the _Balance minimum_ section, select _Edit_.
6. Update the balance minimum amount to the required value and select _Confirm_.

### Supported entities

Balance minimum is only supported for entities contracted to the following Checkout.com entities:

- Checkout SAS
- Checkout APAC Pte Ltd
- Checkout Ltd
- Checkout LLC

### Balance minimum in reports

When a balance minimum is retained from settlement, the amount will appear as a `Balance Minimum Adjustment` Action Type in your [Financial Actions by Payout ID Report](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/settlement-reports/financial-actions-by-payout-id-report.md), [Settlement Breakdown Report](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/settlement-reports/settlement-breakdown-report.md) and [Settlement Statement](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/settlement-reports/settlement-statement.md).

If you use the [Payouts Report](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/settlement-reports/payouts-report.md) and want to enable the `Balance Minimum Adjustment` column, contact your account manager or [request support](https://dashboard.checkout.com/support/new).

---

## Configure balance notifications `Beta`

You can be notified whenever funds are added to a sub-account, or its _Available_ balance falls below a specified threshold.
The threshold can be any positive or negative number.

> **Information**
>
> Your sub-account settings determine the threshold currency.

To configure balance notifications in the Dashboard:

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. In the business entity selector, select the entity to configure notifications for. Alternatively, to configure notifications across all entities, use the client view.
3. Select the _Settings menu_ in the top navigation bar, and then select _Settings_.
4. Under _Personal settings_, select _Notifications_.
5. Open the _Balances_ tab.
6. Select the global _Enable balance notifications_ toggle, otherwise you do not receive notifications.
7. If you're using the client view, turn on the toggle for each entity you want to enable notifications for.
8. Select the notification types you want to enable for the entity's sub-accounts.