# 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](/assets/payouts-balance-adjustments-feb-2025.3d4df13ae392dcdff5b4c47117cb8a52a8a4473fb2102114812ca92742c56201.08ff7529.png)

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](/api/balance-adjustments/createbalanceadjustment).


```shell 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"
        }
    }'
```


```json 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.