> ## Documentation Index
> Fetch the complete documentation index at: https://docs.waffo.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Merchant Finance

> Pooled balance and payouts across all your stores

## 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.

<Frame>
  <img src="https://mintcdn.com/waffo/ufjGfSwGi0IBOUvV/images/dashboard/merchant-finance.png?fit=max&auto=format&n=ufjGfSwGi0IBOUvV&q=85&s=a5b2bb4125eda58f6da8144e96714111" alt="Merchant Finance page" width="1432" height="966" data-path="images/dashboard/merchant-finance.png" />
</Frame>

***

## 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        |

If you haven't bound a payout account yet, a banner at the top links to **Payout Accounts**.

***

## Payout Accounts

Payout accounts live at the merchant level — all your stores share the same set. Manage them under [Payout Accounts](/merchant/payout-accounts).

<Note>
  **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.
</Note>

***

## 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](/mor/fees) for the full breakdown with worked examples.