Understand withdrawal status changes
Withdrawals move through statuses from request to completion. Finance teams need to know what each stage means so they do not confuse available balance, pending balance, and payout processing time.
Use this guide when stakeholders ask where a payout is, why a request changed status, or whether they can submit another withdrawal.
Typical lifecycle
| Stage | Meaning |
|---|---|
| Requested | Withdrawal submitted from available balance |
| Processing | Payout is being reviewed or processed |
| Completed | Funds were sent according to payout rules |
| Rejected or blocked | Request failed validation or policy checks |
Exact labels may vary, but the workflow is similar across businesses.
What each stage implies for finance
| Status | What finance should expect |
|---|---|
| Requested | Available balance should drop or be reserved according to finance rules |
| Processing | Payout is not yet confirmed complete; wait before telling stakeholders funds arrived |
| Completed | Payout action finished from AtomicPay's side; bank posting may still take bank-side time |
| Rejected or blocked | Root cause must be fixed before retry. See blocked withdrawals. |
Withdrawal status is related to, but not identical with, settlement timing and fees and payout delay.
Finance review workflow
- Confirm the correct business workspace.
[Screenshot: App header — correct business workspace selected.]
- Review available balance before requesting withdrawal.
[Screenshot: Available balance card — amount ready for withdrawal.]
- Confirm the default payout account is valid. See PIX key or bank transfer.
[Screenshot: Default payout account — validated and active.]
- Submit the withdrawal from Finance.
[Screenshot: Withdrawal request submitted — status shows Requested.]
- Monitor withdrawal history for status updates.
[Screenshot: Withdrawal history — status changed to Processing.]
- If rejected, review bank account, permissions, and validation message.
[Screenshot: Rejected withdrawal — error message and account details reviewed.]
- Fix the root cause before submitting again.
[Screenshot: Bank account corrected — withdrawal resubmission enabled.]
- Communicate expected timing to stakeholders using the current status label.
[Screenshot: Stakeholder update — current withdrawal status communicated.]
- Compare balance changes with withdrawal requests in the same period.
[Screenshot: Finance and withdrawal history — balance drop matches payout requests.]
Common stakeholder questions
| Question | Where to look |
|---|---|
| Why is money still pending? | Settlement timelines |
| Why was the withdrawal rejected? | Blocked withdrawals and bank account rejected |
| Can we request another payout now? | Available balance and permission rules |
| Did sales this week already get withdrawn? | Reconcile Dashboard and Finance |
What to verify during the first payout cycles
| Check | Why it matters |
|---|---|
| Finance knows the difference between pending and available balance | Prevents repeat blocked requests |
| Withdrawal history is monitored | Status changes are visible early |
| Rejected requests are not retried blindly | Fix account or permission problems first |
| Only authorized users create withdrawals | See finance permissions |
| Stakeholders understand processing vs completed | Reduces premature finance escalations |
Best practices
- Do not request withdrawals from pending balance.
- Track withdrawal history during the first payout cycles.
- Pair withdrawal monitoring with fees and payout delay education.
- Document who is allowed to request payouts in each business workspace.
- Explain that completed status and bank receipt may not happen at the same minute.
Common mistakes
- Telling stakeholders the money arrived as soon as the request is submitted.
- Submitting a second withdrawal while the first is still processing without checking balance rules.
- Ignoring rejected status and retrying the same invalid account.
- Comparing Dashboard sales to withdrawal completion on the same day.
- Reviewing withdrawal status in the wrong workspace.
FAQ
How is withdrawal status different from settlement?
Settlement affects when sales become withdrawable. Withdrawal status tracks the payout request itself.
What should I do after a rejected withdrawal?
Fix the cause, often bank account or permissions, then review troubleshoot blocked withdrawals.
Can refunds or chargebacks affect later withdrawals?
Yes. They can change available balance after earlier sales looked withdrawable. Review refunds and chargebacks.