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Product Catalog 1.0
Payouts
Chargebee Embedded Payments automates the entire payout lifecycle, from transaction settlement through fund disbursal, and provides complete visibility within Chargebee. Payouts mark the final step of settlement, transferring funds collected from your customers to your bank account.
Settlement
A settlement is the grouping of eligible transactions into a settlement file, which initiates the transfer of funds to your account.
- Day T: Chargebee generates a settlement file containing all eligible transactions.
- Day T+1 to T+2: The file undergoes internal processing, validation, and approval.
- Day T+2: Funds are released and transferred to your bank account as a payout.
Information
Payout Timelines
- Standard payout timeline: T+2 business days after settlement creation.
- Direct Debit payments: May take T+5 to T+7 business days to complete.
- Timeline may vary by payment method.
Payout
A payout is the transfer of funds to your bank account. It represents the net settled amount after applicable deductions. Each payout includes the following components:
- Gross amount: Total value of settled transactions.
- Deductions: Refunds, disputes, chargebacks, and applicable fees.
- Net amount: Final amount transferred to your bank account.
Note:
Payouts are handled automatically. No manual action is needed. All payout-related data is available in the dashboard and reports.
Payout Lifecycle
The payout lifecycle consists of the following stages:
| Step | Description | Timeline |
|---|---|---|
| Settlement Initiated | Transactions grouped and processed | Day T |
| Settlement Period | File is validated and approved | Day T – T+2 |
| Payout Initiated | Funds are transferred to the merchant’s bank account | Cards: Day T+2; Direct Debit: Day T+(5–7) days |
| Transaction Data Available in Dashboard & Transaction Export | Full transaction breakdown visible in UI and downloadable reports | Day T onwards |
| Payout Data Available in Dashboard & Transaction Export | Full payout breakdown visible in UI and downloadable reports | Day T+2 onwards |
Payout Scheduling
Once you start processing live transactions, payouts are automatically scheduled to the bank account provided during onboarding.
- First payout: This typically occurs two business days after the first payment. It may take longer for high-risk industries, direct debit users, or specific countries.
- Ongoing payouts: Standard schedule is T+2 business days. For direct debit, T+5 to T+7 business days.
Updating Your Payout Account
To update your payout account, contact support@chargebee.com. Payouts will be paused until your new account is verified.
Provide the following details:
- Country of the bank account
- Account holder name
- Account type (savings or checking)
- Local account details (IBAN, sort code, routing number, etc.)
- Bank statement dated within the last six months
| Onboarding Country / Region | Bank Account Details |
|---|---|
| Europe (Austria, Belgium, Finland, France, Germany, Ireland, Italy, the Netherlands, Spain) |
|
| United Kingdom (UK) |
|
| United States of America (USA) |
|
Supported Settlement Currencies
The following are the supported settlement currencies:
| Onboarding Country / Region | Default Settlement Currency |
|---|---|
Europe (Austria, Belgium, Finland, France, Germany, Ireland, Italy, the Netherlands, Spain) | EUR |
| United Kingdom (UK) | GBP |
| United States of America (USA) | USD |
Note:
Multi-currency payouts are supported (currently in beta). Contact support@chargebee.com to enable this feature.
Default Payout Schedule
- All payments and payouts are processed in Coordinated Universal Time (UTC).
- Standard schedule: T+2 business days after transaction capture.
- Direct debit: T+5 to T+7 business days.
- Payouts scheduled on weekends/holidays arrive on the next business day.
Track and Reconcile Payouts
You can view the full breakdown of each payout in the portal and download detailed reports for reconciliation.
Payouts Dashboard
Navigate to Chargebee Embedded Payments Portal > Payouts.
Here you will view a list of all your payouts, including:
- Gross vs. net payout amounts
- Deductions (fees, refunds, chargebacks)
- Number of transactions in the payout
Use Download Report (.PDF) for a full breakdown.
Consolidated Monthly Report
At month-end, an Excel report mapping each transaction to its payout ID is generated. You can use it to reconcile multiple payouts. Refer to the Reporting and Reconciliation for more details.
Transactions Export
Navigate to Portal > Downloads > Exports. Generate exports for daily or weekly reconciliation. Each transaction includes its associated payout ID.
Payouts in the Chargebee Embedded Payments Portal
The Payout module gives you a real-time view of your payouts, reserves, and upcoming payouts.
Overview Section
This section includes two widgets:
- Payout Amount
- Funds In Reserves
Payout Amount (For ongoing quarter): The total net payout deposited to your account this quarter. The graph lets you quickly track trends.
Funds In Reserves
Chargebee Embedded Payments supports the following types of reserves:
-
Refund Reserves: These funds have been credited to this reserve by your customer to cover potential refunds. Current balance for refund reserves is displayed here.
-
Chargeback Reserves: Your customer has credited funds to this reserve to cover potential chargebacks, late payment failures, and associated fees. The current balance for chargeback reserves is displayed here. The Consolidated Monthly report will give a detailed list of transactions debited from and credited to refund and chargeback reserves.
-
Rolling Reserves: Chargebee Embedded Payments can hold back a percentage of your customer’s daily transaction volume. This reserve acts like a safety buffer in case of chargebacks, fraud, or unexpected losses. It is not set up by default for all customers, but only for high-risk customers.
All reserve movements are available in the Monthly Report.
Estimated Future Payouts
This widget displays the upcoming payouts for the customer:
- Next (T+1): Expected payout for tomorrow (pending approval)
- Upcoming (T+2): Expected payout for the day after tomorrow
Estimates may change based on refunds, chargebacks, or approval status.
Activity Section
View payouts for a selected date range. Filter by status: Success, Failed, Pending.
Payout Detail View
The Payout Details View provides key information about a specific payout. It consists of two main sections:
- Overview
- Breakdown
Overview Section
The Overview section provides essential details related to the payout.
The overview section of credit details contains the following fields:
| Name of the Field | Description |
|---|---|
| Transaction Date | Indicates the transaction date range for this payout. |
| Total Amount | Total transaction amount for which the payout is being processed. |
| Payout Date | The payout date indicates when the merchant will receive the payout amount in their bank account. |
| Deductions | Total fees, chargeback amounts, or late payment failure amounts deducted from the payout amount. |
| Payout Amount | Total payout amount deposited in the merchant’s bank account. |
Note:
If deductions are greater than the gross amount, your payout will be $0. The balance will carry forward to the next payout.
Breakdown Section
This section provides a detailed breakdown of each payout component, including the number of occurrences and the corresponding amounts.
You can download the breakdown as a PDF using the Download option.
| Component | Number | Amount |
|---|---|---|
| Payments | Count of transactions processed | Total amount processed |
| Payment Processing Fee | Not Applicable | Total fee charged |
| Credits | Count of chargebacks won | Total amount credited post-winning chargebacks |
| Refunds | Refund Count | Total refund amount |
| Chargebacks | Chargeback Count | Total chargeback amount |
Transaction-level details for each payout will be available soon in the Payout Details View.
Example: Read your Payout
- On 1st August 2025, you processed $10,000 in payments. Here’s how your payout is:
- Gross transactions: $10,000
- Deductions: $200 (fees) + $300 (refunds) = $500
- Net payout: $9,500
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