Balances and settlement - One Pay

curl https://onepay-api-eiy9.onrender.com/v1/balances \
  -H "Authorization: Bearer $ONEPAY_KEY"

{
  "data": [
    { "currency": "XAF", "available": 9700, "pending": 0, "reserved": 0 }
  ],
  "mode": "test"
}

Balance	What it is
`pending`	Collected, waiting for the partner’s records to confirm it
`available`	Yours to pay out or withdraw now
`reserved`	Set aside for payouts on their way; returns if one fails

From payin to available

A payin succeeds: its net_amount (amount minus fee) is added to pending, and you receive payin.succeeded.
One Pay matches it against the partner’s own records. Once confirmed, it moves to available, the payin gets its settled_at, and you receive payin.settled. This usually takes minutes.
In test mode, step 2 happens at once.

Where the money is held

During the pilot, the money sits with One Pay’s licensed payment partners, not in a One Pay bank account. Your balance is One Pay’s record of what is yours, kept in a double-entry ledger that is sealed every minute so that no record can be changed unnoticed.