At a glance
The total dollar amount captured but not yet acquirer-funded to the merchant’s bank account. The “in-flight” balance: customer has paid, but the acquirer hasn’t disbursed yet.
| What it counts | SUM(settleAmount) for captures with transactionStatus = settledSuccessfully where the acquirer has not yet deposited (within typical 1 to 5 business day window). |
| Reserve effect | Reserve-held funds excluded; this card represents in-flight only. |
| eCheck.Net (ACH) | Pending balances higher proportion (3 to 5 day NACHA lag). |
| Currency | USD-dominant; multi-currency stacked. |
| Time window | Snapshot. |
| Roles | owner, finance |
Calculation
Calculated automatically from your Authorize.net data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.Worked example
“Heartland Hardware Co.” snapshot end of day 02 May 26 (Friday).| Method | Pending balance | Funding day |
|---|---|---|
| Visa / MC captures last 2 business days | USD 184,200 | Mon 05 May 26 (T+1 from Thu and Fri) |
| Amex captures | USD 38,400 | Tue 06 May 26 |
| eCheck.Net captures last 5 business days | USD 28,400 | Spread Mon to Wed |
| Total pending | USD 251,000 |
Sibling cards merchants should reference together
| Card | Why pair it |
|---|---|
aut_avg_settlement_days | Average lag. |
aut_payout_age_days | Oldest stuck payout. |
aut_total_volume | Gross volume; pending should equal roughly 2 to 4 days of volume. |
Reconciling against the vendor’s own dashboard
Where to look: Authorize.Net Dashboard does not show pending balance directly; sum settled-but-not-yet-deposited from Reports → Settled Transactions with status filter, or use the acquirer’s daily settlement report. Why our number may differ:| Reason | Direction | Why |
|---|---|---|
| Reserve withholding | Theirs higher | We exclude reserved funds. |
| Time zone | Boundary days | Pacific batch cut-off vs UTC. |