Adding Funds to your Finix Balanace

Learn how to add funds to your Payouts Balance

Using Top-Up Balance Adjustments to add Funds

Finix offers an easy way to use ACH to add funds to your Finix Balance. This is Finix's recommended approach.

By default, there is a 3 day hold for Balance Adjustments before the Balance is increased. This is to account for risk reasons and to account for any returns that may occur.

Create a Top-Up Balance Adjustment using the Finix Dashboard

Using the Dashboard, you can create a Top-Up Balance Adjustment to add funds to your Finix Balance.

Create Top-Up Finix Dashboard

To create a Top Up:

  1. Navigate to the Balance Adjustments Page
  2. Click Create Balance Adjustment and select the Bank Account you want to use to increase your Payouts Balance
  3. Create the Balance Adjustment

Create a Top-Up using the Finix API

If you want to create a Top-Up using the Finix API, you will need to create a balance_adjustment resource. Balance Adjustments track the Top-Ups created.

To create a Top-Up you can use our API.

Example Request

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curl  -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/balance_adjustments \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "amount": 19,
    "currency": "USD",
    "description": "Sample balance adjustment",
    "instrument_id": "PI4Ppf8rxWYapuEqQr3u6efi",
    "processor": "DUMMY_V1",
    "rail": "ACH",
    "type": "TOP_UP",
    "tags": {
      "name": "Sample balance adjustment"
    }
  }'

Example Response

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{
  "id" : "balance_adjustment_i548hz2CJuK8U2b4RB2QaZ",
  "created_at" : "2025-02-18T23:10:27.086883Z",
  "updated_at" : "2025-02-18T23:10:27.356673Z",
  "amount" : 19,
  "balance_entry_id" : "balance_entry_i5YzFZYEh6CoCrN2zqgPdW",
  "currency" : "USD",
  "description" : "Sample balance adjustment",
  "failure_code" : null,
  "failure_message" : null,
  "instrument_id" : "PI4Ppf8rxWYapuEqQr3u6efi",
  "rail" : "ACH",
  "state" : "SUCCEEDED",
  "tags" : {
    "name" : "Sample balance adjustment"
  },
  "trace_id" : "1312bde9-a1b8-4388-b2f3-cd7602a3e9d3",
  "type" : "TOP_UP",
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/balance_adjustments/balance_adjustment_i548hz2CJuK8U2b4RB2QaZ"
    }
  }
}

Add Funds using a Wire

We do offer support to send wires to more quickly top up your bank account. To learn about this approach, please contact your Finix Representative.