Balance Funding

The Balance Funding service enables you to manage the real-time funds available for processing refunds in a specific region and currency. Call these endpoints to retrieve the current balance or manually add funds to the balance when needed.

Use Case

This feature is used in pending refunds when a merchant or vendor doesn't have enough funds to cover the full refund amount.

In this scenario, the pending refunds usually process when the balance is increased to the necessary total through additional sales. The Add Funds API lets you directly add funds to the balance to begin processing the refund(s) immediately.

The Funding Process

The funding process generally follows the below flow:

1. A refund is issued for a customer.
2. There aren't enough funds in the available balance, so the refund is placed into Pending status. BlueSnap sends a PENDING_REFUND webhook when this occurs.
3. Call the Available Funds API to check the current balance for the appropriate region and currency.
4. Call the Add Funds API with the amount that you want to add to the balance. For example, if the current balance is $35 and must be $40 to process the refund, then the amount should be at least 5.
5. The pending refund automatically processes because there are enough funds to cover the full amount.

Bank Information

To receive expedited processing, use the same bank account details registered for your payout configuration. Transactions with matching details are approved immediately (ACH) or same-day (EFT). Transactions with new bank details follow standard processing timelines.