> For the complete documentation index, see [llms.txt](https://docs.loomgate.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.loomgate.io/en/concepts/balance.md).

# Balance and unlock times

Available balance, pending balance and when funds are unlocked.

Loomgate keeps a balance for your account in each currency. The balance only changes through ledger entries: collected payments, fees, refunds, refund fees and adjustments. Entries are never edited or deleted.

| Part              | Meaning                                                              |
| ----------------- | -------------------------------------------------------------------- |
| `available`       | Funds that are past their unlock time                                |
| `pending`         | Funds of unlock steps whose time has not come yet                    |
| `pending_unlocks` | The pending funds, split by currency and unlock time, earliest first |

The balance can be **negative**, for example when a refund fee or an adjustment is larger than your available balance. Read your balance with the [Balance API](/en/api-reference/balance.md) or see it in the **Tổng quan** (Overview) section of the dashboard.

## Unlock schedule

What a succeeded payment brings you, that is the total the buyer paid (`amount_total`) less the processing and bank fees, is unlocked in **steps** "after N days, X %", for example 80 % after 14 days, then 20 % after 30 days. Loomgate sets the steps of your account; see them on the **Phí** (Fees) page of the dashboard, section *Lịch mở khóa tiền* (unlock schedule).

When a payment succeeds, the steps in force for your account are copied onto the payment, in its `unlock_schedule` field, and never change afterwards: a later change of the schedule only applies to payments that succeed after it. Each step unlocks at:

1. the time the payment succeeded,
2. plus the step's days (calendar days of 24 hours),
3. rounded up to the next **:00 or :30**.

Each step's part is its cumulative share, rounded once; the last step takes what remains, so the steps add up to exactly what the payment brings you. For example, a 100.00 USD payment where you pay 2.90 % + 0.30 USD in fees brings you 96.80 USD: 77.44 USD unlocks after 14 days and 19.36 USD after 30 days.

Each element of `unlock_schedule`:

| Field          | Meaning                                                                                               |
| -------------- | ----------------------------------------------------------------------------------------------------- |
| `step`         | The step number, from 1                                                                               |
| `days`         | Days after the payment succeeded (`null` for payments that succeeded before unlock schedules existed) |
| `percent_bps`  | The step's share, in basis points (8000 = 80 %)                                                       |
| `available_at` | When the step unlocks (unix seconds)                                                                  |
| `amount`       | The step's part                                                                                       |
| `deducted`     | What refunds (with their refund fees) took from the step                                              |
| `remaining`    | `amount` − `deducted`                                                                                 |
| `rescheduled`  | `true` when Loomgate changed the step's unlock time                                                   |

`unlock_schedule` is empty until the payment succeeds. From a step's unlock time, its funds move to `available` (a few seconds after that time) and, when something remains in the step, Loomgate sends the [`unlock_step.available`](/en/webhooks/webhook-events.md) webhook.

## Refunds before the unlock time

A refund, then its refund fee, is taken from the payment's still-locked steps, the nearest unlock time first (the step's `deducted` grows). What no locked step holds is deducted from `available` at once. See [Refunds](/en/concepts/refunds.md).

## Adjustments

Loomgate may record an adjustment (`adjustment`, id `adj_…`) on your balance, for example a negative amount when a buyer disputes a payment with their bank. An adjustment takes effect immediately in `available` and comes with an `adjustment.created` webhook:

```json
{
  "id": "adj_7Tn2KqL9WmX4cV8bR1sD",
  "object": "adjustment",
  "currency": "usd",
  "amount": -1500,
  "reason": "Chargeback for order 1042",
  "payment_intent": "lg_pi_4Qx9ZcM2LwT8rKv1bN3a",
  "created": 1790000000
}
```

`payment_intent` is `null` when the adjustment is not tied to a payment.

## Payouts

The API only lets you view your balance. Loomgate pays out your available balance to you outside the API.


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