Tracking Payouts

When a settlement is approved, Finix will notify you with a webhook. Each approved settlement contains a Funding Transfer (TR) that corresponds to a deposit in the merchant’s account.

The webhook you receive details the state change in the Funding Transfer.

For users on Flex, Finix manages and approves settlements.

Example of a Funding Transfer

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{
   "_embedded": {
       "transfers": [
           {
               "id": "TR34zjBBxXnT1mNDWvTq8usW",
               "amount": 54919,
               "tags": {},
               "state": "SUCCEEDED",
               "trace_id": "ea085f9d-2b9a-4388-8ff9-e4f5112a26f1",
               "currency": "USD",
               "application": "APiwqrQ7wxQQ6AgJtKz8ibC7",
               "source": "PI66ubeZmbbV93ES6DXCqfsC",
               "destination": null,
               "ready_to_settle_at": "2020-05-27T04:00:00.00Z",
               "externally_funded": "UNKNOWN",
               "fee": 0,
               "statement_descriptor": null,
               "type": "DEBIT",
               "messages": [],
               "raw": null,
               "created_at": "2020-02-18T22:35:06.42Z",
               "updated_at": "2020-02-18T22:36:12.09Z",
               "idempotency_id": null,
               "merchant_identity": "IDrE9ezGKCZhFN7NCigZ3TbC",
               "subtype": "SETTLEMENT_MERCHANT",
               "_links": {
                   "application": {
                       "href": "https://finix.sandbox-payments-api.com/applications/APiwqrQ7wxQQ6AgJtKz8ibC7"
                   },
                   "self": {
                       "href": "https://finix.sandbox-payments-api.com/transfers/TR34zjBBxXnT1mNDWvTq8usW"
                   },
                   "merchant_identity": {
                       "href": "https://finix.sandbox-payments-api.com/identities/IDrE9ezGKCZhFN7NCigZ3TbC"
                   },
                   "payment_instruments": {
                       "href": "https://finix.sandbox-payments-api.com/transfers/TR34zjBBxXnT1mNDWvTq8usW/payment_instruments"
                   },
                   "reversals": {
                       "href": "https://finix.sandbox-payments-api.com/transfers/TR34zjBBxXnT1mNDWvTq8usW/reversals"
                   },
                   "fees": {
                       "href": "https://finix.sandbox-payments-api.com/transfers/TR34zjBBxXnT1mNDWvTq8usW/fees"
                   },
                   "disputes": {
                       "href": "https://finix.sandbox-payments-api.com/transfers/TR34zjBBxXnT1mNDWvTq8usW/disputes"
                   },
                   "source": {
                       "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI66ubeZmbbV93ES6DXCqfsC"
                   }
               }
           },
       ]
   },
   "_links": {
       "self": {
           "href": "https://finix.sandbox-payments-api.com/settlements/STsBXhy8shZtyif935DL2s2q/funding_transfers/?offset=0&limit=20&sort=created_at,desc&sort=id,desc"
       }
   },
   "page": {
       "offset": 0,
       "limit": 20,
       "count": 2
   }
}

Estimated Funds

When a Funding Transfer gets sent, your user will receive the deposit one business day after it is approved (As long as the Funding Transfer is submitted for approval before 4 PM PT on a business day).

Day the Funding Transfer is created (Before 4 PM PT) Estimated day funds will deposit in the merchant’s account
Monday Tuesday
Tuesday Wednesday
Wednesday Thursday
Thursday Friday
Friday Monday
Saturday Tuesday
Sunday Tuesday
Monday Tuesday

Unsuccessful Funds

If the Funding Transfer isn't successful, the state of the transfer will move to Failed. For more information, see Managing Failed Payouts.