Use our Funding solution to determine how and when settled transaction funds are delivered to a merchant's bank account. We offer a standard funding model and dynamic funding model, so you can choose the model that best fits the merchant's business and operational needs.
Different funding models
| Aspect | Standard funding model | Dynamic funding model |
|---|---|---|
| Ideal for | Traditional merchants who want a straightforward flow of funds from their daily sales. | Partners and large merchants who run complex operations, such as multi-brand, multi-location, marketplaces, and platforms. |
| Speed of setup | Fast - Default option that requires minimal setup. | Moderate - API integration that requires you to define allocation rules and account structure. |
| Flexibility | Low - Built for simplicity and predictability. | High - Supports complex business models and payout scenarios. |
| Deposit structure | We send a single, fixed deposit to the merchant's bank account. | You can distribute funds across multiple accounts. |
| Cash flow control | Merchant automatically receives full deposit minus fees. | You can control how funds are distributed. |
Key capabilities of the standard funding model
Simple, routine deposits
- Schedule fixed daily deposits, which gives merchants clear visibility of payouts.
- Support merchants with predictable transaction patterns.
Fast setup
- Quickly activate new merchants at boarding.
- Include standard fee and billing arrangements.
Advanced fee handling
- Separate billing and deposit accounts to manage fee deductions more precisely.
- Reduce volatility in deposits by isolating fees from settlement amounts.
Key capabilities of the dynamic funding model
Flexible fund allocation
- Distribute funds across multiple bank accounts based on business logic, operational needs, or risk.
- Control when each merchant and third party receives funds.
Advanced fee handling
- Separate billing and deposit accounts to manage fee deductions more precisely.
- Reduce volatility in deposits by isolating fees from settlement amounts.
Scalable configuration
- Add or change funding instructions as merchants grow or business needs evolve.
- Adapt funding to expanding merchant locations, brands, or payment flows.
How to use Funding
Choose the funding model that aligns best with your business requirements:
- Standard funding model - To use our standard funding model, contact us.
- Dynamic funding model - Integrate with our medium-code Funding endpoints to create funding accounts, funding recipients, and funding instructions. For detailed information about our Funding endpoints, go to our API Explorer.