## Zoho Payments Documentation Index

Access the complete documentation index at:
https://www.zoho.com/in/payments/llms.txt

Use this file to discover all available documentation pages before proceeding.

# Understanding Account Balances

The Account Balance represents the total amount of funds in your account, including available funds, future payouts, and top-ups. This section provides an overview of your complete financial standing within your Zoho Payments account.

*   [Account Balance Details](#Account-Balance-Details)
*   [Initiated Payouts](#Initiated-Payouts)
*   [Top-up for Refunds & Disputes](#Top-up)

The Account Balance module has three sections:

1.  [Account Balance Details](/in/payments/help/account-balance/understanding-account-balances/#Account-Balance-Details)
2.  [Initiated Payouts](/in/payments/help/account-balance/understanding-account-balances/#Initiated-Payouts)
3.  [Top-up for Refunds & Disputes](/in/payments/help/account-balance/understanding-account-balances/#Top-up)

### Account Balance Details

The account balance displayed is made up of the following elements:

#### Available for Payout

The actual amount available for payout after deducting adjustments and refunds that can be deposited to your configured bank account.

#### Yet to Be Available

Payments that have been processed via Zoho Payments but are yet to be made available for payout. These payments will be available in T+2 business days (Cards and Net Banking) or T+1 business day (UPI and Bank Transfer). T here denotes the actual transaction date.

### Initiated Payouts

The payout amount that has been initiated to your bank account from Zoho Payments should reach your account in T+1 or T+2 business days from the actual transaction date (this may vary based on the payment method used). You can identify the payout with the descriptor “Zoho Payments” or a descriptor you have updated. Learn more about [payouts.](https://www.zoho.com/in/payments/help/payouts/ "payouts")

[![Account Balance Details](/in/payments/help/account-balance/account-balance-details.png)](/in/payments/help/account-balance/account-balance-details.png)

### Top-up for Refunds & Disputes

The top-up feature enables you to set aside funds to cover potential refunds and disputes. You can add to this by topping up funds from your verified bank account to Zoho Payments' bank account. This ensures you have sufficient balance to process refunds or dispute settlements without delays.

**Scenario:** Let’s assume you top-up ₹3000, and your current available account balance is ₹1000. A customer then requests a refund of ₹1500. Normally, without sufficient funds in your available balance, you wouldn’t be able to initiate the refund.

However, because you’ve set aside funds to handle such cases, your effective balance available for refunds becomes ₹1000 (available balance) + ₹3000 (top-up) = ₹4000, allowing you to process the ₹1500 refund.

To top-up:

1.  Go to the _Account Balance_ module.
2.  Click **\+ Top up** under _Top-up for Refunds & Disputes._

[![Top-up your Account](/in/payments/help/account-balance/top-up.png)](/in/payments/help/account-balance/top-up.png)

3.  Enter **Amount** and **Description**, then click **Next.**
    
    [![Top-up Details](/in/payments/help/account-balance/top-up-details.png)](/in/payments/help/account-balance/top-up-details.png)
4.  Make a bank transfer from your registered bank account to the account mentioned in the pop-up.
    

**Note:** You can transfer a minimum of ₹1, up to any amount you want to set aside. Ensure the bank account and amount match what you entered on the previous page, or the transfer will be declined.

5.  Click **Continue.**

Once you initiate the transfer, it will be processed by the bank shortly. After we receive the funds, the amount will be added to your balance within 3 hours. If it isn’t credited, contact [support](https://www.zoho.com/in/payments/contact-us/ "Contact Us") for assistance.

You can switch to the **Top-ups** tab to view all the funds you’ve added to your Zoho Payments account.

[![Top-up Overview](/in/payments/help/account-balance/top-up-overview.png)](/in/payments/help/account-balance/top-up-overview.png)

**Note:** These funds will not be included in your payouts and will remain in your account until you request a release by contacting [support.](https://www.zoho.com/in/payments/contact-us/ "Contact Us")