Pool your funds
Beta
Last updated: June 4, 2025
Note
Funds Pooling is only available to selected entities contracted to Checkout Ltd or Checkout SAS.
The Funds Pooling solution enables you to continue to make Card Payouts when there are insufficient funds in the relevant sub-account’s Available balance. It automatically covers shortfalls by transferring funds from another sub-account for that entity. This solution:
- Optimizes payment processing by reducing declines due to insufficient funds
- Reduces manual intervention by automatically transferring funds to the sub-accounts where they’re needed
- Uses idle funds efficiently
Funds Pooling can be a good fit for your business if:
- You make payouts from multiple sub-accounts.
- You do not always have sufficient funds in your relevant sub-accounts, but still need to make payouts in that currency. For example, if your payout volume sometimes exceeds your payin volume.
- Your settlement schedule processes payins and payouts from the same sub-account simultaneously.
Information
To enable Funds Pooling, contact your account manager or [email protected].
The flow is as follows:
| Sub-account balances | Payout outcome |
|---|---|
Source sub-account Available has sufficient funds | The payout is made from the source sub-account Available balance. |
Source sub-account has insufficient funds in Available Pooled sub-account has sufficient funds in Available | Checkout.com automatically transfers the required amount for the payout from the pooled sub-account with the highest Available balance at the time. |
Source sub-account and all pooled sub-accounts have insufficient funds in Available | The payout is declined. |
For example, you make payouts from USD and EUR sub-accounts that are part of a pool. You begin the day with positive balances on both sub-accounts. At 12:00pm, you’ve used up your USD balance and it hits zero. At 12:05pm, there's a card payout request in USD, but you’ve not yet added funds to your USD balance.
With Funds Pooling enabled and sufficient funds in your EUR sub-account, we convert the required amount from the EUR sub-account and transfer it to the USD sub-account. This enables the payout to be made without manual intervention.
You can create multiple pools for your entity and structure them to match your operational and reconciliation needs. You can choose which sub-accounts to include in a pool, as long as they are:
- Owned by the same entity
- Held in a supported currency
- Not already in another pool
Information
To update the sub-accounts in your pools, contact your account manager or [email protected].
If the sub-accounts are in different currencies, Checkout.com applies the live industry-standard interbank foreign exchange (FX) base rate to convert the amount transferred between your sub-accounts. We also apply an FX markup for each currency conversion, as specified in your Pricing Schedule.
Funds Pooling supports the following currencies in the Eurozone and United Kingdom (UK):
| Currency code | Currency name | Region |
|---|---|---|
| Swiss franc | Eurozone UK |
| Danish krone | Eurozone and UK |
| Euro | Eurozone and UK |
| Pound sterling | Eurozone and UK |
| Norwegian krone | Eurozone and UK |
| Polish zloty | Eurozone |
| Romanian leu | Eurozone |
| Swedish krona | Eurozone |
| US dollar | Eurozone and UK |