Fees and settlement
Understand payment fees, settlement timing, and the different wallet balance figures.
Key points
- Fees are recorded separately from the original payment amount in the balance ledger.
- available_balance can be used for refunds; withdrawable_balance is constrained by upstream settled funds in live mode.
- frozen_balance includes funds reserved for pending refunds and open disputes. Test and live balances are isolated.
Example
text
amount = 2990
fee = round(2990 × 0.035 + 30) = 135
net_amount = 2990 - 135 = 2855