Balance

Your Mollie balance is the central ledger for all money flowing through your account. Understanding it is fundamental to building reliable reconciliation, reporting, and cash-flow tools with Mollie.

Overview

Every Mollie account has at least one balance: the primary balance. When a customer pays, the funds move through two states before they can be paid out:

• Pending (pendingAmount) — Funds received but not yet available. Mollie holds these during the settlement period, which varies by payment method.
• Available (availableAmount) — Funds ready to be paid out or used for refunds.

Customer pays → pendingAmount → settlement delay → availableAmount → payout to bank

Retrieve your balance at any time with the Balances API:

GET /v2/balances/primary
GET /v2/balances/{balanceId}

Each balance object returns both availableAmount and pendingAmount, giving you a real-time view of funds in each state.

For a non-technical explanation of how the balance works, see When do I receive my money from Mollie?

Settlement delays

When Mollie receives a payment, it enters pendingAmount and stays there for a payment-method-specific delay before moving to availableAmount. This delay lets Mollie manage chargebacks and potential credit risks.

Standard settlement delays by payment method

Risk-applied settlement delays

In some cases, Mollie's risk team applies a longer settlement delay to specific Organizations or payment methods. This is separate from the standard delays and is communicated directly when applied.

If your integration communicates settlement timing to merchants, account for the possibility that pendingAmount remains pending longer than the standard period.

For more information, see How long does it take for a payment to be available for payout?

Rolling reserve

A rolling reserve is an additional safeguard where Mollie holds a percentage of each transaction in pendingAmount for a fixed period. For example, Mollie may hold 20% for 90 days.

Mollie's risk team applies a rolling reserve to specific organisations based on their risk profile. Rolling reserve funds appear in pendingAmount alongside regular settlement-delayed funds. Funds move to availableAmount daily after their holding period ends.

A rolling reserve is different from a balance reserve, which is a merchant-configured setting.

For more information, see What is a rolling reserve and how does it affect my payouts?

Balance reserve

A balance reserve is a configurable amount retained on your balance. Use it to make sure funds are available for refunds without requiring a top-up.

At payout time, Mollie deducts the reserve from availableAmount before initiating the payout:

payout amount = availableAmount − balance reserve

You can check and set the balance reserve in your balance settings. If availableAmount is less than the configured reserve at payout time, Mollie skips the payout.

For more information, see What is a balance reserve and how do I set one?

Additional balances

Your Mollie account can have more than one balance. Additional balances let you separate revenue streams by country, sales channel, or business unit. Each balance can have its own bank account, payout settings, and reporting.

Each balance is linked to a profile. Payments processed with a profile's API key are credited to the balance linked to that profile.

Retrieve all balances for an organization:

GET /v2/balances

Retrieve a specific balance:

GET /v2/balances/{balanceId}

The primary alias always refers to the organisation's primary balance:

GET /v2/balances/primary

For guidance on configuring multiple balances, see How do I set up additional balances for a Mollie account?

Multi-currency balances

By default, payments made in a currency that differs from your primary balance currency are converted and settled to your primary balance. If you hold a balance in the same currency as a payment, Mollie automatically settles the payment directly to that balance without conversion.

Multi-currency balances work like additional balances. Each currency balance is a separate balance object with its own availableAmount, pendingAmount, bank account, and payout settings.

GET /v2/balances

This endpoint returns all balances, including multi-currency balances. Each balance object includes a currency field identifying its currency.

For supported payment currencies and payment-method availability, see Multicurrency. For payout currencies and eligibility requirements, see What are multi-currency payouts? How do I set up multi-currency payouts?

Balance reporting

Mollie provides two programmatic options for tracking balance movements over time:

For export-based reconciliation, balance reports are available in CSV, MT940, CODA, and DATEV formats on daily or monthly schedules.

See Balance Report for full documentation. For export instructions, see How do I export my balance report, transactions, and settlements?