Wallet Balances
The three numbers at the top of Dashboard → Grow → Wallet → Overview tell you how much you have earned, what is still clearing, and what you can move toward your bank.
They come from your Flo Payments account (powered by Stripe). You need payments connected and verified before the cards appear — see Connect bank and Flo Payments setup.
Overview tab only
The balance cards live on Wallet → Overview. The Earnings tab focuses on revenue charts and Pay out actions; Payouts shows history and schedule — Wallet overview.
The three balance cards
| Card | Label in Flo | Plain meaning |
|---|---|---|
| 1 | Available to withdraw | Money that has cleared and counts toward your next bank payout (subject to minimums and extra holds) |
| 2 | Pending | Money from recent sales still in the settlement wait before it becomes available |
| 3 | All-time earnings | Running total of net earnings Flo has recorded for you since you joined — not the same as “cash in the bank today” |
Amounts show in your display currency (usually USD). If Flo cannot load balances, you see Balance unavailable instead of the cards.
Available to withdraw
This is the headline number for “what can leave Flo toward my bank on the next payout.”
What it includes
| Source | Counted in Available? |
|---|---|
| Products, courses, memberships (paid) | Yes, after each sale finishes its settlement wait |
| Paid bookings | Yes, after the session passes and any booking payout hold clears |
| Refunds and disputes | Reduced when those events post — earnings adjust over time |
What the caption means
Under the big number you may see:
| Caption | Meaning |
|---|---|
| Green dot · Ready for Friday payout | Your available balance meets the minimum for a scheduled payout and you are on the default weekly schedule (Friday, UTC) — Payout schedule |
| $10.00 minimum not yet met (USD) | Available is below Flo’s payout floor for your currency — funds stay until you reach the minimum |
Minimum examples (Flo’s floors, in your display currency):
| Currency | Minimum available for payout |
|---|---|
| USD / CAD | $10.00 |
| GBP | £8.00 |
| EUR | €9.00 |
| AUD / NZD / SGD | Roughly $15.00 equivalent |
Other currencies use Flo’s configured floor for that currency (defaults to the USD-style amount if unknown).
Available vs what Pay out actually sends
The Available card shows your cleared balance from Stripe. When you tap Pay out on Earnings, Flo may send less than that full number because:
| Reason | Effect |
|---|---|
| Booking payout hold | Paid session earnings still waiting until after the session — Booking payout hold |
| Payout fees | Fee is taken from the amount sent — Wallet fees |
| Below minimum | Payout button stays disabled until available meets the floor |
So Available can look higher than what a manual payout allows. That is normal when you have upcoming paid bookings.
Pending
Pending is money from card sales that Stripe is still settling — it is yours, but not yet in Available.
How long Pending lasts
| Your Flo Payments history | Typical settlement wait |
|---|---|
| Newer account (first ~60 days) | About 7 days per sale from when the payment completes |
| Mature account (60+ days, clean history) | About 2 days per sale |
“Clean” means no payout failures or open disputes in that window. Flo can move you to the shorter delay automatically — you do not apply separately.
Each sale has its own clock starting when that payment succeeds.
Learn more on the card
Click the underlined line under Pending (for example 7-day hold · new account or 2-day hold · standard). A small panel explains:
| Panel content | What it tells you |
|---|---|
| Why is there a hold? | Your account’s settlement tier and path toward the 2-day standard delay |
| Progress bar | Days counted toward 60 days on Flo Payments for the shorter delay (when Flo Payments is active) |
This payout hold label on Wallet → Overview → Your payout plan means the same settlement timing — not the per-booking session hold.
When Pending becomes Available
For a typical product, course, or membership sale, money moves in order:
| Step | What happens | Wallet card |
|---|---|---|
| 1 | Fan pays successfully | Pending goes up |
| 2 | Settlement wait runs | Stays in Pending (~7 days on newer accounts, ~2 days once mature) |
| 3 | Sale clears | That amount moves from Pending to Available |
| 4 | Your payout day (if above minimum) | Eligible Available balance is sent to your bank — Payout schedule |
Paid bookings follow the same Pending → Available path for settlement, but can stay blocked from Pay out even after step 3 until the session passes and the booking payout hold clears. That hold is a separate rule — not another step after money reaches your bank.
All-time earnings
All-time earnings is a lifetime counter on your Flo profile: Since you joined Flo.
| Topic | Detail |
|---|---|
| What it counts | Net earnings Flo has recorded from your sales (after Flo’s fees on each charge, with refunds and similar adjustments over time) |
| What it is not | Not the same as Available + Pending right now |
| Not a bank balance | Money already paid out to your bank still counts toward all-time — it is historical performance, not “left in Wallet” |
Use Recent sales below the cards for line-by-line purchases. Use Earnings for period charts — Wallet transactions.
How the pieces fit together
Paid sales often hit two waits before cash reaches your bank:
| Wait | Where you notice it | Typical length |
|---|---|---|
| Settlement (Pending) | Pending card | ~7 days (new) or ~2 days (mature) |
| Booking hold (sessions only) | Available looks high but Pay out is lower | ~24 hours after session start — Booking payout hold |
| Payout schedule | Payouts tab | e.g. weekly Friday when above minimum |
They run at the same time for bookings — not one after the other. A booking paid today for a session three weeks out often stays unavailable for payout longer than a product sale.
Example: product sale vs paid booking
| Event | Pending | Available | Can pay out to bank? |
|---|---|---|---|
| $50 product sold Monday | ~$50 until settlement clears | Moves to Available after ~7 or ~2 days | After settlement, if above minimum and no other holds |
| $80 paid booking Monday for session in 2 weeks | Booking share may clear to Available on the usual settlement schedule | Same amount may still be held from payout until after session + buffer | Not until booking hold clears, then next payout day |
Other things that change balances
| Event | What to expect |
|---|---|
| Refund (e.g. booking cancel) | Earnings drop; fan gets money back; hold on that booking clears |
| Dispute / chargeback | Disputes section on Overview may list the case; amount can be held from balance until resolved |
| Failed payout | Money usually returns to Available; fix bank details on Payouts / settings |
| Manual payout | Earnings → Pay out sends up to eligible available (after holds and fees), not Pending |
Below the balance cards
On Overview, you also see:
| Section | Purpose |
|---|---|
| Incoming / payout banner | Heads-up when a payout is on the way or recently failed |
| Your payout plan | Schedule (weekly, daily, etc.), settlement Payout hold tier, minimum |
| Recent sales | Individual charges with buyer and receipt links |
| Disputes | Open dispute cases when present |
Troubleshooting
| Problem | What to check |
|---|---|
| Balance unavailable | Finish Flo Payments verification; refresh Wallet |
| Pending never moves | New account still on 7-day tier; sale may be very recent |
| Available high but Pay out disabled | Below minimum; or booking holds; or account review state |
| All-time ≠ Available + Pending | All-time is lifetime recorded earnings; payouts already sent still count in all-time |
| Numbers differ from a single sale | Fees, refunds, multiple sales, and currency rounding |
| Paid booking not payable yet | Booking payout hold — session may still be upcoming |
| Dispute lowered balance | See Disputes on Overview; respond per Flo / card network process |
Related guides
| Guide | Topic |
|---|---|
| Wallet overview | Tabs, sales feed, disputes |
| Payout schedule | Friday weekly, daily unlock, settlement tiers |
| Booking payout hold | Session revenue set aside from payout |
| Wallet fees | Checkout and payout fees |
| Wallet transactions | Reading sales and payout history |
| Connect bank | Receiving money |
| Flo Payments | How payments work on Flo |