What a Merchant Balance Is and How Withdrawals Work

A merchant balance is the money your customers have paid that is waiting to be withdrawn. Every confirmed payment adds to your balance in the coin and network the customer used. A withdrawal is a transfer from that balance to any wallet you control.

How it works

After a customer pays an invoice and the blockchain confirms the transaction, the funds appear on your balance. In fast networks this takes seconds; in others, a few minutes.

The balance is tracked by coin. If you received USDT and BTC separately, those are two separate balances. Withdrawals are also handled coin by coin.

Making a withdrawal

You specify how much to send and to which address. The service verifies the details and broadcasts the transaction to the blockchain. The status is visible in your dashboard: pending, sent, confirmed. You can withdraw every day or let funds accumulate and withdraw once a month, whichever suits you.

Why separate receiving and withdrawing

It's more practical than a direct transfer to your wallet for every order. You can accept payments around the clock and withdraw whenever it's convenient. The service tracks every incoming payment and links it to an order, so at any point you can see how much came in, from whom, and for what.

The withdrawal fee is charged by the network, not the service. The amount depends on the network you choose: on Tron it's cents, on Ethereum it's more.

See how the balance and withdrawal work in SwapSS Pay at swapss.lol/for-business.