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Fees and payouts

Know your numbers Plan your next step

Understand the costs of each sale, available funds and what happens before money reaches your bank.

3 min read

A calculator, receipts and notebook on a business bookkeeping desk

Your first order matters. So does knowing what you keep from a busy week. A completed sale, funds available for payout and money arriving at your bank are separate events. Check each one so you can plan your business around the amount you can actually use.

This guide explains what to check in your real account records. It does not substitute a marketing example or an assumed fee percentage for the terms that apply to your business.

Why can the sale total differ from the payout?

The customer-facing total can include tax and other amounts shown in the payment flow. Processing or payout costs can affect what reaches the business's bank. Review the actual payment record and account fee information before treating the gross total as net proceeds.

A sample payment panel on the website is an illustration, not a quote. It does not prove that a particular payment method is enabled, that taxes have been included, or that a business will receive the displayed sample amount.

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What determines the fees for my business?

Use the current fee information, payment terms, and the details shown in the relevant payment or payout flow. Costs and eligibility can depend on the account and the method. Do not apply a percentage taken from another provider or a different kind of transfer.

If you need to reconcile an actual sale, use its verified recorded amounts. Some processing details are finalized after a payment, so an earlier estimate should not be treated as the final settlement statement.

Does a completed payment mean funds are available?

Not necessarily. A completed customer payment, a pending balance, and an available payout balance describe different stages. Verification requirements, account status, and processing timing can affect when proceeds can move.

Look at the available amount in your account rather than adding up recent sales and assuming you can transfer that sum. A payout request is also separate from the bank confirming receipt.

How should I think about payout timing?

Pat's merchant payouts are request-based. Follow the account's payout flow and review the available amount and destination. Do not assume that payments automatically reach the bank on an advertised daily schedule.

Where an instant option is offered, its eligibility and net amount still matter. Do not promise an arrival time based on a label alone; review the applicable disclosure and the payout's actual status.

What records should I keep for reconciliation?

Keep the order reference, payment reference, gross total, tax shown, verified fees, and the corresponding payout record. Those details help explain differences without relying on a customer's screenshot.

Tax collected is informational, not proof that Pat has separated the funds into a protected tax reserve. Set aside the amounts your business owes using your own accounting process, and ask a qualified adviser about your tax obligations.

Read the Payment TermsGet help with a specific payment or payout

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