Your pending balance consists of funds that have been received but aren't yet available for payout. Once the pending period ends, the amount moves to your available balance and is included in your next payout.
You can see both balances in your Mollie Dashboard under Reports > Balance.
Settlement delays
After a customer pays, funds are held in your pending balance for a set period before moving to your available balance. This settlement period varies by payment method — for example, iDEAL settles the next business day, while SEPA Direct Debit takes 9 business days.
For the full list of settlement times per payment method, read How long does it take for a payment to be available for payout?
Rolling reserve
In some cases, Mollie holds an additional percentage of each transaction in your pending balance for a set period. This is called a rolling reserve and is applied by Mollie's risk team — it is separate from the balance reserve you can set yourself.
If a rolling reserve applies to your account, you'll be notified. The held amounts are released to your available balance on a rolling daily basis once the holding period has passed.
For full details read What is a rolling reserve and how does it affect my payouts?
Read more
- How long does it take for a payment to be available for payout?
- When do I receive my money from Mollie?
- What is a balance reserve and how do I set one?
- What are the risks of payments via credit and debit cards?