Your pending balance consists of payments that are still being processed. Once the payment is processed, we add the money to your available balance. Your available balance is paid out to your bank account.
You can find your balance in your Mollie Dashboard and App in Home and by going to Balance.
Settlement delays
Payments via methods like Klarna, SEPA Direct Debit and Credit Cards are usually held for a certain period of time in your pending balance before being added to your available balance. This is a precaution in case of chargebacks.
For example, the default settlement delays for the mentioned payment methods are:
- 4 business days for Credit Cards.
- 5 business days for Klarna payments.
- 9 business days for SEPA Direct Debit payments.
You can find the default settlement delay values for all payment methods here.
Rolling reserves
A rolling reserve is a mechanism where Mollie holds a percentage of each transaction for a specified period of time in your pending balance. This reserve is intended to cover potential chargebacks and refunds. The details of the rolling reserve depend on the level of risk associated with your business, such as operating in a high-risk industry or having a high volume of chargebacks. When applied, you will be informed about the specific details for your business.
The rolling reserve amount in pending balance will be released to your available balance on a rolling basis (every day) after the holding period has passed.
Read more
- How long does it take to process a payment?
- What are the risks of payments via credit and debit cards?
- When will I be paid?