## Zoho Payments Documentation Index

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

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

# Understanding Account Balances

The Account Balance is the total amount of funds in your account, including all available, reserved, and future payouts. The account balance section provides an overview of your complete financial standing within your Zoho Payments account.

*   [Account Balance Details](#Account-Balance-Details)
*   [Initiated Payouts](#Initiated-Payouts)

The Account Balance module has three sections:

1.  [Account Balance Details](/payments/help/account-balance/understanding-account-balances/#Account-Balance-Details)
2.  [Initiated Payouts](/payments/help/account-balance/understanding-account-balances/#Initiated-Payouts)
3.  [Manage Reserves](/payments/help/account-balance/manage-reserves/)

### 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 (cards) or T+4 (ACH Direct Debit) business days (this can vary based on the nature of your business). T here denotes the actual transaction date.

**Reserve by Zoho Payments**

Amounts temporarily withheld by Zoho Payments to cover disputes and mitigate losses for your business and customers.

Sometimes, when a customer disputes a transaction, there may not be sufficient funds in your account to process the resulting chargeback. In such cases, Zoho Payments may need to withdraw funds from your account to settle the chargeback. To help manage this risk, a reserve fund is maintained, serving as a financial safety net.

**Note:** The reserve amount and the holding period are determined by assessing your business risks and the incurred disputes. This may be extended or reduced at the discretion of Zoho Payments. Learn more about [how this is determined](https://www.zoho.com/us/payments/faq/balances/reserve-amount/) or contact [support@zohopay.com](mailto:support@zohopay.com) for more details.

### Initiated Payouts

The payout amount that has been initiated to your bank account from Zoho Payments. This should reach your bank account within one business day. You can identify the payout with the descriptor “Zoho Payments” or a descriptor you had updated. Learn more about [payouts](https://www.zoho.com/payments/help/payouts/).

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