Settlement and processing (Pay-Out)

Your wallet during a payout

Pay-Out is funded from your Cashela wallet in the source currency of the quotation.

Moment	Transaction status	Your wallet
You execute the quotation	PROCESSING	The amount in funding.amount moves from your available balance to a reserved (blocked) balance.
The payout is delivered	COMPLETED	The reserved amount is settled: it leaves your wallet.
The payout fails	FAILED	The reserved amount returns to your available balance.
A check fails at execution (for example Insufficient wallet balance.)	FAILED	Nothing is reserved.

Each reservation is settled or released only once, even if Cashela receives the same final status more than once.

How you learn the result

• Notifications. If you sent a callback_url, Cashela notifies it after the execution and again when the transaction reaches COMPLETED or FAILED. See Notifications.
• Status query. GET /api/v1/pay-out/transactions/{reference} always returns the current status. Use it as the source of truth and to recover from a missed notification.

Delivery times

Delivery time depends on the payer, the country and the service. The API does not return an estimated delivery time. Show your users a range agreed with Cashela for each corridor, not a fixed timestamp.

Good practice

• Do not consider a payout final until its status is COMPLETED or FAILED.
• Make your notification handler idempotent and verify every signature.
• Reconcile your records against the transaction reference and your external_identifier.

See also

• Execute a transaction
• Pay-Out flow diagram