Check your funding balance with Orum.

Checking Your Balance

With the GET /balance endpoint, you can query to find out your balance with Orum at any point during the business day, night, or weekend. This API supplements the existing reporting provided by Orum Payment Operations and Finance.

The API provides the current pending and available balance in integral cents for a customer.

  • Pending balance: Funds in the FBO that cannot yet be “spent” or transferred out of the balance
  • Available balance: Funds in the FBO that are available to "spend" or transfer out of the balance


Balance in integral cents (100¢ = $1.00)

The Balance API returns the balance amounts in integral cents to be consistent with the Transfers API. Remember to convert to dollars ($XX.XX) before displaying to business stakeholders or your customers.

Use Cases for the Balance API

There are several benefits to utilizing the Balance API:

  • Ensure you have sufficient funds in your balance to accommodate expected daily volume and potential spikes
    • You can check your balance periodically throughout a day, for example by linking this API up to an internal dashboard
  • Query for the balance prior to every payout or disbursement to ensure enough funds are in the FBO to support the transfer request
  • Track the amount of funds stored in your balance so you don't prefund more than you need to (you can pull or push funds into the FBO on a schedule once your balance hits a certain threshold)

Testing in Sandbox

When you onboard to our sandbox environment, Orum establishes a fake ledger that tracks your funds. In sandbox, customers can use the Balance API to test the impact of various types of transfers and transfer failures on their ledger balances.

ActionImpacted Balance TypeImpact to Balance Amount
Initiate a credit transferAvailableDecrease by transfer amount
Initiate a debit transferPendingIncrease by transfer amount
Debit settlesPending, AvailablePending decreases by transfer amount / Available increases by transfer amount
Debit fails (returns)AvailableDecreases by transfer amount
Credit fails (returns or is rejected)AvailableIncreases by transfer amount