Minimum Balance

The Minimum Balance is the floor maintained in your Payout Escrow at all times. It ensures your users can always withdraw, even between settlement days.

Formula

Example: $25,000/day average payouts → $75,000 Minimum Balance

How it works

The Minimum Balance is recalculated every week based on your recent payout activity. It grows automatically as your volume increases — you never need to set it manually. The result is rounded before being applied as your floor.

The 3-day coverage window exists because all payout merchants run at least T+3 settlement. Three days ensures there is always enough in escrow to fund withdrawals even if no new payins have settled yet.

What it is not

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Not a reserve

The Minimum Balance actively funds your users' withdrawals every day. It is a working buffer, not a hold on your funds. On each settlement day, if the escrow has fallen below this floor, it is topped up from your Settlement Balance before your merchant settlement is paid out.

For more on how the top-up works in practice, see Every Settlement Day.

Ongoing Top-Ups

If payouts consistently exceed payins — for example, if Breeze handles a larger share of payouts than payins — you may need to periodically top up the Payout Escrow via wire transfer. Breeze will notify you proactively when a top-up is needed. Your top-up obligations are set out in your Merchant Agreement. See Settlement FAQ for more.