Glossary
Available balance
The available balance is the part of a merchant's money the payment business can pay out now: the total balance less the funds the providers have not yet settled, the rolling reserve held against chargebacks, holds for open disputes and the fees still to be charged. The total balance says what the merchant has earned; the available balance says what can leave today. A payout request above the available balance must wait or be refused.
What reduces it
Payments confirmed by the provider but not yet settled to the business; the rolling reserve percentage for its holding period; amounts frozen for disputes under review; negative adjustments from chargebacks and refunds; and minimum balances the contract requires. As settlements arrive and reserve periods end, the available balance rises without any new sales.
Why it is shown separately
A merchant that sees only the total balance expects money the business does not yet have; a business that pays out the total funds the gap from its own money and carries the chargeback risk alone. Showing available and held balances side by side, with the dates when held funds release, keeps expectations and cash flow honest.
On the platform
Tranzify’s ledger shows each merchant the total, the held and the available balance per currency, with the reserve release schedule; payouts are checked against the available balance before they are sent, and settlements from providers move funds from pending to available as they are recorded.
Updated: 2026-11-08