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Every payment you accept, card, bank transfer, or stablecoin, settles to one AgentaOS balance. You don’t reconcile three settlement accounts for three payment methods. Your balance settles in EUR or USD, and from that one balance payouts run automatically to your bank account.
AgentaOS Payments page showing EUR and USD balances and the balance summary

Your balance, in EUR and USD, on the Payments page.

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Your balance

Money doesn’t move from “buyer paid” to “in your bank account” instantly. It passes through a few states first, mirroring how card networks and banking rails actually clear funds.

Incoming

A payment has been confirmed, but it’s still clearing. New card and bank sales clear over about 14 days before they’re payable, the same way they would through any card acquirer.

Available

Cleared and yours to pay out. This is what moves on your next payout.

In reserve

A small reserve is held on newer accounts to cover refunds and chargebacks. It releases over time as your payment history builds.

Next payout

The date your available balance is scheduled to move. Shown per currency on the Payouts page.

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Where payouts go

Your balance pays out by bank transfer, same-currency: EUR to a EUR account and USD to a USD account, with no cross-currency FX.

Bank account

Paid through our banking partner to the countries listed in Supported countries, in the currency your balance holds. Cross-border routes carry a Swift fee (see the fee table on that page).

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Schedule

Payouts run automatically twice a month. Your available balance moves to your bank account on the scheduled payout date, shown per currency on the Payouts page. There’s nothing to trigger by hand.

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Fees

Payout fees are a pass-through, at cost, with no markup. AgentaOS doesn’t add anything on top of what the banking or on-chain rail actually costs to move your money. For bank payouts, cross-border routes carry a Swift fee, see the fee table on Supported countries for the current routes and amounts.

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Getting paid out

1

Accept a payment

Any completed checkout, card, bank, or stablecoin, adds to your balance. See Checkouts and Payment links.
2

Let it clear

Funds move from Incoming to Available automatically, over about 14 days for new card and bank sales. No action needed on your end.
3

Add a bank account

Add the bank account where you want to receive your payouts, in EUR or USD.
4

Get paid

Your available balance moves to your bank account automatically, twice a month, on the schedule shown on the Payouts page.

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FAQ

Your balance settles in EUR or USD. Bank payouts are same-currency, EUR to a EUR account and USD to a USD account, with no cross-currency FX.
Automatically, twice a month. Your available balance moves on the scheduled payout date shown on the Payouts page.
Yes. Add the bank account you want to receive payouts to first.
Yes, refunded or disputed amounts are deducted from your balance rather than paid out. On newer accounts a small reserve is held to cover them.

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Legacy

Stablecoin payouts (legacy)

An optional, advanced way to withdraw your balance on-chain to a wallet you control, from anywhere. You’re moving your own balance to your own address.

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Next steps

Supported countries

Where bank payouts reach, and the payout fee table.

How Merchant of Record works

How a payment turns into money on your balance in the first place.

Checkouts

Create the payments that fund your balance.

Webhooks

Get notified the moment a checkout completes.