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Adding Funds to your Finix Balance

Learn how to add funds to your Payouts Balance

Add Funds Using Top-Up Balance Adjustments

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 Balance Adjustment API.

Balance Adjustment Request
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"
        }
    }'
Balance Adjustment Response
{
    "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.