# Balances and Payouts

Reference pages: [Withdrawals](/marketplaces-and-platforms/fees-and-payouts/withdrawals), [Platform Fees](/marketplaces-and-platforms/fees-and-payouts/platform-fees), [List Sellers](/payments/query-apis/post-get-sellers), [Withdraw Balance](/payments/merchants-management/post-withdraw-balance), [List Past Withdrawals](/payments/query-apis/post-get-withdrawals), [List Future Withdrawals](/payments/query-apis/get-future-withdrawals), [Reporting Across Your Sellers](/marketplaces-and-platforms/reporting/reporting-across-your-sellers).

## Reading a balance

There's no balance endpoint. `get-sellers` returns `seller_wallets`, by currency, in minor units.

| Field | Meaning |
|---|---|
| `wallet_total` | Everything PayMe holds for the seller |
| `wallet_releasable` | The part past its release date |
| The difference | Recent sales still before their release date |

Show the seller all three. "Why can I only withdraw part of it?" is the first question they ask.

In the sandbox, `seller_wallets` stayed at 0 after several completed sales. Why is unconfirmed, so [ask PayMe](/agents/start/ask-payme-first). Until then, test the display with a fake answer and report the real figures as not proven.

## Withdrawing

| Refusal | Cause | What to do |
|---|---|---|
| [Error 109](/agents/errors/error-109) | The seller isn't validated | Show approval state and signup link, and disable the action with an explanation |
| Error `907` | The seller is on an automatic withdrawal plan, so manual withdrawals aren't allowed. Seen in the sandbox | Nothing to do. PayMe pays out on the plan's schedule |

PayMe checks the plan first, so an unapproved seller on an automatic plan gets `907`, not `109`. Don't rely on seeing `109`: check `seller_approved` yourself. A new seller takes the partner's default plan, and every one created in the sandbox came back with `seller_withdrawal_plan` `2`, which is automatic. No API field changes it, so PayMe must set up a test seller before a payout can succeed: [ask them](/agents/start/ask-payme-first).

If a withdrawal's outcome is unknown, don't start another in that currency until a person has checked `get-withdrawals` (TRN-04).

## The completion callback

`withdrawal-complete` has no signature, and it fires when the withdrawal is committed, **before the bank transfer happens**. So it doesn't prove the money arrived, and its body proves nothing at all (CB-04). Re-read with `get-withdrawals`, and tell sellers the money is on its way rather than received.

## Your own fee

`market_fee` isn't part of a seller's wallet, and it isn't withdrawn with `withdraw-balance`. By default it's transferred to you monthly. See [Platform Fees](/marketplaces-and-platforms/fees-and-payouts/platform-fees).