Chapa provides two key balance types in your merchant account: Ledger Balance and Available Balance. Here’s what they mean:

Ledger Balance

The Ledger Balance represents the total amount deposited into your account (pay-ins) starting from midnight (00:00). It includes all transactions before settlements or deductions, offering a real-time snapshot of your financial activity. However, funds in the Ledger Balance cannot be withdrawn immediately—they must first be processed and moved to the Available Balance, usually within 24 hours.

Available Balance

The Available Balance reflects the amount of money that is ready for withdrawal or settlement. It excludes any amounts that are on hold, pending settlement, or refunds. This balance gives merchants a clear view of the funds they can access and use for business operations.

Understanding the difference between these balances helps you manage your transactions efficiently and plan your cash flow effectively!