Understanding your Balances: Current vs Available Balance

Difference between the balances

When a sale is made using Stitch Express, the payment is confirmed immediately, allowing you to dispatch goods right away.

However, your funds will appear across two balances in your dashboard:

Current balance

Your current balance reflects your live transaction activity.

• Updates in real time as purchases are made
• Shows the total value of recent transactions
• Funds in this balance are not yet available for withdrawal

Available balance

Your available balance reflects funds that have been settled by Stitch.

• Includes transactions from the previous day (excluding Sundays and public holidays)
• Updated once funds have settled
• Available for withdrawal to your bank account

How your Stitch Express balance actually works

Your Stitch Express balance is updated daily based on your transaction activity.

Daily settlement timeline

• Each day at 8:00 PM, Stitch reconciles all successful transactions for that day
• These funds will be available in your Stitch Express balance by 11:00 AM the next business day

Important

• Any transactions processed after 8:00 PM will be included in the next day’s batch

Weekend and public holiday processing

Due to banking partner limitations:

• Sunday transactions are credited 48 hours later
• Public holidays may also delay settlement times

Example

If a transaction is processed at 4:00 PM on a Sunday:

• The funds will be available in your balance on Tuesday

What this means for you

• Funds are settled on a daily cycle
• Most transactions are available the next business day
• Transactions on Sundays and public holidays may take longer to reflect

Use the table below to understand when funds will reflect in your Available balance based on the time and day of your transaction.