Balance and activity
Your available and pending balance, and the running record of every payment, refund, fee, and adjustment.
Your balance is the running total of money XPay holds on your account. Every payment you capture, every refund you issue, every fee XPay deducts, and every payout that lands in your bank moves the balance up or down. Two surfaces in the dashboard cover this:
- Balance (in the sidebar) shows the current totals: what's available to pay out, what's still pending settlement, and your payout schedule.
- Transactions → All Activity lists every individual entry that ever moved the balance, with type, fee, and date.
This page covers both: how to read the Balance dashboard, what each entry on the All Activity tab means, and how to drill from a balance entry back to the payment, refund, or payout it came from.
What you can do
Read your headline balance
Available to pay out, pending settlement, and your active payout schedule sit on a single dashboard.
See what's coming
Pending settlement shows the funds that aren't ready yet, with a per-entry Available on date.
Trace every entry
The All Activity tab is the running ledger. Every charge, refund, fee, payout, and adjustment that ever touched your balance shows up as one row.
Drill back to the source
Click any entry to jump to the payment that produced it, or to the payout batch that disbursed it.
Read your balance
Click Balance in the dashboard sidebar.
Balance Overview
The headline card shows two numbers:
| Field | What it shows |
|---|---|
| Available to pay out / Upcoming payout | Funds that have settled and are ready to be sent. The label is Available to pay out when your schedule is manual, Upcoming payout when your schedule is automatic. |
| Pending settlement | Funds from recent payments that have not yet settled. A count below shows how many transactions are still pending. |
If your schedule is manual, a Pay out funds button appears next to the headline so you can wire the available balance whenever you want.
If you've never received a payment, the dashboard shows a zero balance with the hint "Your balance will appear here once you receive payments".
Payout Schedule sidebar
A right-hand card summarizes how funds leave your balance:
- The schedule itself: Manual, or automatic with the days of the week or month it runs on.
- Next settlement date when an automatic payout is queued.
- Total paid out lifetime, with the number of payouts completed.
The Manage payouts button at the top of the page opens Settings → Payouts, where you change the schedule, bank account, and other payout settings. See Payouts and settlement for the full payout view.
External Balance (Direct Settlement)
A second card appears only when your account is configured for direct settlement. With direct settlement, certain payment methods route funds straight to your bank rather than through XPay's standard payout flow. The card shows:
- Available (Settled) funds that have already cleared to your bank.
- Pending funds the bank is still settling.
The hint underneath confirms these funds are paid to you automatically and don't require a payout from XPay.
Recent Payouts
The page closes with a list of the last few payouts: status, amount, and arrival date. Click View all payouts to open the full Payouts tab.
All Activity tab
In Transactions, click the All Activity tab. This is the running record of every entry that ever moved your balance.
Filters
| Filter | What it does |
|---|---|
| Type | Multi-select on entry type: charges, refunds, fees, payouts, adjustments. |
| Currency | Limit to one settlement currency. |
| Amount | Range or comparison on the entry amount. |
| Date | When the entry was created. |
| Available on | When the funds become or became available for payout. Different from Date for any entry that takes time to settle. |
| Search | Match by entry ID, related payment ID, or description. |
Columns
| Column | What it shows |
|---|---|
| Amount | The gross amount of the entry, positive or negative. |
| Fees | The XPay fee on this entry, when there is one. A dash means no fee. |
| Total | The net amount this entry contributed to your balance (amount minus fees). |
| Type | The kind of entry. See Entry types below. |
| Description | Free-form description, when set on the underlying object. |
| Created | When the entry was recorded. |
| Available on | When the funds clear for payout. May be the same as Created for instant entries (like a fee), or later for entries that settle on a delay. |
Click-through behavior
Click any row to drill into the entry's source:
- Entries tied to a payment (charges, refunds, reversals, reserves, recoveries) open the payment detail page.
- Payout entries open the payout batch.
Use this to answer "where did this fee come from?" or "which payment produced this refund?" without leaving the activity log.
Entry types
The Type column has a handful of values you'll meet most often:
| Type | What it represents |
|---|---|
| Charge | A successful payment, captured. Adds to your balance after fees. |
| Refund | A refund you issued against a charge. Subtracts the refunded amount from your balance. |
| Payout | Funds transferred to your bank as part of a payout batch. Subtracts from the available balance. |
| Reserve hold | A portion of funds temporarily held back from your available balance, often during a risk review or rolling reserve. |
| Reserve release | A previously held reserve being released back into your available balance. |
| Adjustment | A manual correction by XPay, used sparingly for chargeback handling, dispute outcomes, and similar cases. |
Charges and refunds are the entries you'll see daily; reserves and adjustments are exceptional and the XPay team will reach out before any are applied.