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title: Funding
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For clean Markdown of any page, append .md to the page URL. For a complete documentation index, see https://docs.payroc.com/solutions/full-stack/fund-merchants/llms.txt. For full documentation content, see https://docs.payroc.com/solutions/full-stack/fund-merchants/llms-full.txt.

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 volatilty 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 volatilty 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](https://payroc.com/contacts/).
* **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](/api/introduction).