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.

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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

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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.

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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.

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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.