Getting Started

When you go live with Breeze there is a short ramp-up period — typically the first two weeks — during which your Payout Escrow is built from scratch before standard settlements begin.

Week 1–2

All payin to Payout Escrow

No merchant settlements are made during this period. All funds accumulate in the Payout Escrow rather than being settled to your bank. This ensures your users can withdraw from day one.

Minimum Balance set by Breeze · after ~2 weeks

Week 2+

Standard settlement begins

Breeze sets your Minimum Balance from observed payout activity. Regular T+3 daily settlements start from this point.

Worked example


Payin rate	$30,000 / day
Ramp-up period	10 business days
Escrow accumulated	~$300,000
Minimum Balance set	~$75,000 (3 × $25,000 avg daily payouts)

From week 2 onwards, Breeze runs standard T+3 daily settlements. Each business day, your Settlement Balance minus any escrow top-up needed is deposited to your bank.