Payouts and reconciliation

When a customer pays through FlowAlp Pay, the money does not land on your bank account immediately: it is first collected in your FlowAlp Pay balance and then transferred to you as a payout. This guide explains how that settlement works, what a payout contains, and how to reconcile payouts against your orders and your bank statement — manually in the dashboard or automatically through the API.

How funds settle#

Every confirmed payment increases your balance by the transaction amount minus the transaction fee. At payout time, FlowAlp Pay bundles the accumulated activity into a single consolidated payout and transfers it to the bank account (IBAN) configured for your account. A payout therefore usually covers many transactions plus the related fee entries, and carries a statement text that appears on your bank statement, a payout date, a currency and the destination account details — everything you need to match the bank credit.

The payout lifecycle#

What a payout contains#

Inside a payout you find a list of transfers. Most entries are of type transaction: they carry the gross payment amount and the deducted transaction fee as separate items, plus the transaction's uuid and reference_id (your order number). Other transfer types cover payout fees, adjustments, disputes and reserves. All amounts are in minor units, and the items of a transfer always add up to its net amount — a CHF 300.00 payment with a CHF 3.00 fee is listed as 30000 and -300, contributing 29700 to the payout.

Reconcile payouts with your accounting#

1. List the payouts of the period with the Payouts API and pick the payout that matches the bank credit (same date, amount and statement text).
2. Load its transfers page by page via the details endpoint — a page size of 100 entries is recommended.
3. Match every transaction transfer to an order in your system using reference_id or the transaction uuid.
4. Book the fee items (transaction-fee, payout-fee) separately, so gross revenue and charges stay distinguishable.
5. Verify that the sum of all transfers equals the payout amount and the amount credited by your bank.

The link also works in the other direction: every settled transaction exposes a payoutUuid, so you can start from an order and find the payout that contained it — see List and retrieve Transactions. For manual checks, your FlowAlp Pay dashboard at https://pay.flowalp.com shows the same payout data.

curl "https://api.pay.flowalp.com/v1.16/Payout/C6B438B9/details?instance=<tenant>&limit=100&offset=0" \
  -H "x-api-key: <api-secret>"

Automate payout monitoring#

Instead of polling, let FlowAlp Pay notify you: webhook notifications are sent when a payout reaches the statuses processing, sent or failed (no notifications are sent for initiated, pending or under-review). This is the easiest trigger to start an automated reconciliation run — see Configure webhooks.