Understand your balance

Every payment you collect lands in your Bachs balance, in one of the currencies you hold. It arrives as pending, settles, and then becomes available: that is the money you can pay out.

Available and pending

Each currency you hold has two amounts:

Available is settled money you can pay out now, or use for a payout fee.
Pending is money you have collected that is still settling.

On the dashboard, open Balances. Each currency’s card shows Available now and Incoming, and whether automatic payouts are set up for it. Through the API, the same two amounts are available_balance and pending_balance.

Which currencies you hold

Your account always holds USD, and can also hold NGN once it is enabled in Settings → Payout Destinations and Currencies. A payment in any other currency is converted into one you hold as it settles, at the rate quoted on the charge. Holding a currency decides what you settle in, not what you can charge in. See Balance currencies.

When money becomes available

How long a payment stays pending depends on the currency you collected it in:

Collected in	Available
NGN	Immediately
USD, including card payments and crypto	2 days after the payment
GHS, KES, ZAR, UGX, TZS, ZMW, XAF, XOF, RWF	1 day after the payment
Any other currency	1 day after the payment

Settled payments move into your available balance once a day, at 09:00 UTC on their scheduled day. The wait counts calendar days from the day the payment landed, so a payment collected at any hour on Monday with a one-day wait becomes available at 09:00 UTC on Tuesday.

A card payment that would become available on a Saturday or Sunday moves to the following Monday, because banks do not settle at weekends. Other payment methods keep their date.

Read your balance from the API

Call Get Balances with a key that has balance:read:

curl https://sandbox-api.bachs.io/v1/balances \
  -H "Authorization: Bearer $BACHS_API_KEY"

Response

{
  "account_id": "acct_7KpQ2mNv4XbR9dLc",
  "balances": [
    { "currency": "NGN", "available_balance": "58700.00", "pending_balance": "0.00" },
    { "currency": "USD", "available_balance": "95178.20", "pending_balance": "0.00" }
  ],
  "total_balance_usd": "95221.29",
  "pending_settlements_by_day": []
}

Field	What it tells you
`balances`	One entry per currency you hold, with its available and pending amounts.
`total_balance_usd`	Everything you hold, available and pending, converted to USD. Useful for a dashboard figure, not for deciding a payout.
`pending_settlements_by_day`	The settlements still to come, grouped by the day they become available. Empty when nothing is pending.

Amounts are decimal strings in the currency’s own units, so "58700.00" is 58,700 naira. To act for a connected account, send its X-Account-Id. See Connected account payouts.

Paying out what’s available

Only the available balance can fund a payout, and it has to cover the fee as well as the amount. International bank and mobile money routes are paid from your USD balance; an NGN balance pays NGN payouts to Nigerian banks.

Create a payout when you want to move money yourself.
Set up automatic payouts to send settled customer collections on a schedule. Top-ups, transfers you received and conversions are not included.
Reconcile payouts to match what left your balance with what arrived.

Overview

Send payouts

Track and reconcile

Currencies and methods

Understand your balance

Available and pending

Which currencies you hold

When money becomes available

Read your balance from the API

Paying out what’s available

​Available and pending

​Which currencies you hold

​When money becomes available

​Read your balance from the API

​Paying out what’s available

Available and pending

Which currencies you hold

When money becomes available

Read your balance from the API

Paying out what’s available