Platform
Balance and settlement
How merchant balances, fees, and availability work after a successful payment.
Balances are updated when a transaction reaches completed. This page describes the model implemented in balance update logic (including XOF normalization for treasury).
When balances change
- Merchant-receivable balance increases by the net amount of the transaction (gross minus platform fee).
- Updates run only for
completedtransactions. - A metadata flag records that balances were already applied for that transaction, so retries cannot double-credit.
Availability delay
Each transaction stores an available_at timestamp computed from organization payment settings:
NOW() + get_payment_availability_delay(organization, provider, payment_method)- Example: some card configurations default to a delayed availability window; Mobile Money may be immediate.
The dashboard may show available vs pending/settling based on this and related rules.
Currency and XOF treasury
Internal treasury tracking often normalizes amounts to XOF for consistency:
- Gross and fee amounts may be converted for channel and platform accounting.
- Merchant account credits may still be applied in the organization’s settlement currency depending on product settings; the important point is that fee and float tracking share a consistent basis.
Exact API fields for “available” vs “pending” balances are exposed on Accounts and related metrics.
Coupons and completion
Coupon redemption counts typically advance when the transaction completes, not when the coupon is merely typed at checkout.