Finance and withdrawals
Understand balances, fees, bank accounts, withdrawal readiness, and payout operations.
When to use this guide
Use this section when you need to prepare a business for payouts, explain available versus pending funds, request a withdrawal, or check why a withdrawal action is blocked.
Start here
- Set up bank accounts and withdrawals to configure payout details, understand balance types, request withdrawals, and troubleshoot blocked actions.
- Add and verify a bank account for bank transfer payouts.
- Add a PIX key for payouts for PIX payout setup.
- Complete a withdrawal request flow from balance review through payout confirmation.
- Reconcile a payout against sales for accounting alignment.
- Respond to a chargeback step by step when a payment is disputed after approval.
- Understand fees and payout delay to explain gross revenue, net revenue, fees, and pending balance.
- Handle chargebacks and disputes when a payment is challenged after approval.
- Reconcile Dashboard and Finance when sales activity and balance do not match.
- Choose PIX key or bank transfer details for payout account setup.
- Understand withdrawal status changes from request to completion.
- Troubleshoot blocked withdrawals when payout requests fail validation.
- Complete your first-sale workflow if you are preparing the first product launch and want to include finance readiness in the checklist.
- Create and manage a business account if the business registration, activity, partners, or finance tab still needs setup.
Typical finance workflow
- Confirm you are in the correct business workspace.
- Review available, pending, and total balance.
- Check whether payout delay, refunds, chargebacks, or fees explain balance changes.
- Confirm the default bank account is complete and correct.
- Request a withdrawal when funds are available.
- Monitor withdrawal history until the request is completed or rejected.
Good checks before going live
- Add bank account details before the first launch.
- Confirm the account holder and document match the business payout setup.
- Make sure finance users have the correct permissions.
- Explain pending balance to the team before the first payout cycle.
- Reconcile reports with finance using date range, payment method status, refunds, chargebacks, fees, and withdrawal history.
- Keep API-specific setup in AtomicPay API Docs.