Overview
Open Merchant Finance from the user menu (top-right avatar) or at /merchant/dashboard/finance. This is your merchant-level view — all your stores’ settled revenue flows here, and you request payouts from here.
Balance Indicators
Three KPI cards at the top of the page summarize your funds:
| Indicator | Meaning |
|---|
| Available to withdraw | Net amount that has fully settled and is ready to pay out |
| Processing | Payments still in the clearing window (≈ 10 business days) |
| Total withdrawals | Cumulative amount you have paid out so far |
Tabs
| Tab | Content |
|---|
| Pay out | Request a payout from your available balance |
| Withdrawal records | Historical payouts and their statuses |
Payout Accounts
Payout accounts live at the merchant level — all your stores share the same set. Manage them under Payout Accounts.
Current coverage: mainland China, settled in CNY, via bank card or Alipay. More regions and currencies are on the roadmap — contact support to let us know what matters most.
Fees
Two kinds of fees apply to the amount that lands in your account:
- Transaction fee — deducted from each successful payment at the time of settlement. The Net column reflects what you actually receive after this.
- Payout fee — charged when you initiate a payout from your merchant balance.
See Fee Details for the full breakdown with worked examples.
