Payouts and settlement
Payouts and settlement move completed, settleable merchant funds out. Depending on your business, some funds may be "paid but not yet withdrawable" due to protection windows, disputes, or operational review.
Understanding your balances
| Type | Description |
|---|---|
| Available balance | The amount you can withdraw right now |
| Pending settlement | Paid amounts still in a protection window, review, or settlement process |
| Withdrawn | Withdrawals you've initiated and completed |
Why paid funds aren't immediately withdrawable
Some orders must first clear fulfillment, a protection window, or dispute handling. This prevents funds from being withdrawn right after payment when a refund or manual intervention might still be needed.
Where withdrawals can go
A withdrawal always goes to a payout wallet you have verified (Settings → Payment settings). If you also keep a withdrawal address whitelist, every withdrawal must go to an address on it, and that includes withdrawals made with an API key (POST /merchant/v1/withdrawals). An API key cannot carry the email verification code the dashboard asks for, so the whitelist is what keeps a leaked key from paying out anywhere else. A destination that is not on the list is refused with 403 withdrawal_address_not_whitelisted. With an empty whitelist, any verified payout wallet can receive withdrawals.
Every withdrawal destination is also screened against official sanctions lists before your balance is debited. A listed address is refused with 403 address_sanctioned, and withdrawals pause with 503 screening_stale if the list has not refreshed for 48 hours. A payment under a compliance hold is kept out of your available balance until its review ends. See Sanctions screening and compliance holds.
Adding or removing whitelist addresses, verifying a payout wallet, withdrawing from the dashboard, creating an API key or a plugin connect token, and adding a webhook endpoint all need the 6-digit code emailed to your login address.
Disputes and refunds
If a buyer opens a dispute within the protection window, settlement for that order is paused. When a dispute is upheld, the refund is normally processed along the original payment path:
- Returned on the original chain
- Returned in the original currency
- Returned to the original payer wallet address
Buyers never need to enter a new refund address anywhere.
Next steps
- Check order status: Orders and transactions
- Refused payouts and held funds: Sanctions screening and compliance holds
- Need help from a human: FAQ