Balances - InventPay

Overview

Your InventPay account maintains separate balances for each cryptocurrency. Understanding how balances work helps you manage your funds effectively and plan withdrawals.

Balance Components

Each cryptocurrency balance consists of four key components:

Available Balance

What it is: Funds ready for immediate withdrawalIncludes: Confirmed payments that have been swept to your accountUse for: Withdrawals, business operations

Pending Balance

What it is: Funds awaiting blockchain confirmations Includes: Payments received but not yet confirmed Becomes: Available balance after confirmation

Total Earned

What it is: Lifetime total of all payments received Includes: All confirmed payments, ever Use for: Analytics, reporting, accounting

Total Withdrawn

What it is: Lifetime total of all withdrawals madeIncludes: All completed withdrawals, everUse for: Financial tracking, reconciliation

Balance Calculation

Understanding the relationship between balance components:

Available Balance = Total Earned - Total Withdrawn - Pending Balance

Example Scenario

{
  "currency": "USDT_BEP20",
  "availableBalance": 1500.75,
  "pendingBalance": 250.5,
  "totalEarned": 5000.0,
  "totalWithdrawn": 3248.75
}

Explanation:

Total Earned: $5,000 received from customers
Total Withdrawn: $3,248.75 sent to your wallet
Pending: $250.50 awaiting confirmation
Available: $1,500.75 ready to withdraw

How Balances Grow

Payment Flow to Balance

Customer Sends Payment

Customer transfers cryptocurrency to unique payment address

Transaction Detected

InventPay detects the transaction on the blockchain

Pending Balance

Funds appear in pending balance while awaiting confirmations

Confirmations Complete

Required confirmations reached (3-15 blocks depending on currency)

Auto-Sweep

Funds automatically swept from payment address to your master wallet

Available Balance

Funds now available for withdrawal

Multi-Currency Balances

Your account maintains separate balances for each cryptocurrency:

Example Balance Overview

Currency	Available	Pending	Total Earned	Total Withdrawn
BTC	0.5 BTC	0.1 BTC	1.2 BTC	0.7 BTC
ETH	2.1 ETH	0.3 ETH	5.6 ETH	3.5 ETH
LTC	15.5 LTC	2.0 LTC	50.0 LTC	34.5 LTC
USDT_ERC20	500 USDT	100 USDT	2000 USDT	1500 USDT
USDT_BEP20	1500 USDT	250 USDT	5000 USDT	3250 USDT

Each currency is completely separate. You cannot combine balances or convert between currencies within InventPay.

Checking Your Balance

Using the API

// Get all balances
const balances = await sdk.getBalances();
console.log(balances.data.balances);

// Get specific currency
const usdtBalance = await sdk.getBalance("USDT_BEP20");
console.log(usdtBalance.data.balance.availableBalance);

Using the Dashboard

Log in to InventPay Dashboard
Navigate to Balances
View all currencies at a glance
Click any currency for detailed history

View Balances

Learn more about the Get Balances API

Withdrawal Limits

To ensure security, withdrawal limits are in place for each currency:

Daily Limits

Default daily withdrawal limits by currency:

Currency	Daily Limit	Resets
BTC	10 BTC	Every 24 hours
ETH	50 ETH	Every 24 hours
LTC	500 LTC	Every 24 hours
USDT_ERC20	10,000 USDT	Every 24 hours
USDT_BEP20	10,000 USDT	Every 24 hours

Monthly Limits

Additional monthly limits for larger operations:

Currency	Monthly Limit	Resets
BTC	100 BTC	1st of month
ETH	500 ETH	1st of month
LTC	5,000 LTC	1st of month
USDT_ERC20	100,000 USDT	1st of month
USDT_BEP20	100,000 USDT	1st of month

Attempting to withdraw more than your limit will result in an error. Plan withdrawals accordingly or contact support for higher limits.

Checking Available Limits

Your balance response includes current limit status:

{
  "limits": {
    "daily": {
      "limit": 10000,
      "used": 1500,
      "remaining": 8500,
      "resetAt": "2024-01-02T00:00:00.000Z"
    },
    "monthly": {
      "limit": 100000,
      "used": 15000,
      "remaining": 85000,
      "resetAt": "2024-02-01T00:00:00.000Z"
    }
  }
}

Requesting Higher Limits

Need higher withdrawal limits? Contact our support team:

Contact Support

Email [email protected] with your request

Provide Business Info

Share your business details and expected volumes

Review Process

We’ll review your account and transaction history

Limit Increase

Approved increases take effect within 24 hours

Auto-Sweep System

InventPay automatically consolidates funds from payment addresses to your master wallet.

How Auto-Sweep Works

Payment Confirmed: Required confirmations reached
Sweep Triggered: System queues automatic transfer
Funds Consolidated: Moved to your master wallet
Balance Updated: Available balance increases

Benefits of Auto-Sweep

Automatic

No manual intervention required

Secure

Funds moved to secure master wallet immediately

Efficient

Batch processing minimizes network fees

Real-time

Available balance updates in real-time

Auto-sweep is enabled by default and cannot be disabled. This ensures maximum security by minimizing funds in individual payment addresses.

Balance Notifications

Stay informed about balance changes:

Webhook Events

payment.completed - Balance increased by completed payment
withdrawal.completed - Balance decreased by withdrawal
balance.low - Balance below threshold (configurable)

Dashboard Alerts

Email notifications for large transactions
Low balance warnings
Daily balance summaries

Configure Webhooks

Set up balance notifications via webhooks

Minimum Balances for Withdrawal

Each cryptocurrency has minimum withdrawal amounts:

Currency	Minimum Withdrawal
BTC	0.001 BTC
ETH	0.01 ETH
LTC	0.1 LTC
USDT_ERC20	10 USDT
USDT_BEP20	10 USDT

Minimum withdrawals exist to ensure network fees don’t consume a large percentage of your withdrawal.

Fee Impact on Balance

Payment Fees

InventPay charges a small fee on incoming payments:

Standard Fee: 0.5% per payment
Fee Deduction: Taken before crediting to available balance
Minimum Fee: None
Maximum Fee: None

Example:

Customer Payment: 100 USDT
Platform Fee (0.5%): 0.50 USDT
Credited to Balance: 99.50 USDT

Withdrawal Fees

Withdrawals include two types of fees:

Network Fee: Blockchain transaction cost (variable)
Service Fee: 0.5% of withdrawal amount

Example:

Withdrawal Amount: 100 USDT
Service Fee (0.5%): 0.50 USDT
Network Fee: ~0.10 USDT (BEP-20)
Total Deducted: 100.60 USDT
Recipient Receives: 100 USDT

Create Withdrawal

Learn more about withdrawals and fees

Balance Security

Your balances are protected by multiple security layers:

Cold Storage

Majority of funds stored in offline cold wallets

Multi-Signature

Withdrawals require multiple signatures for approval

Rate Limiting

Automatic limits prevent unauthorized large withdrawals

Monitoring

24/7 monitoring of all balance changes

Insurance

Funds protected by insurance policy

Best Practices

Regular Withdrawals

Withdraw funds regularly to your own wallets for maximum security

Monitor Limits

Check daily/monthly limits before planning large withdrawals

Track Pending

Monitor pending balance to anticipate incoming funds

Plan for Fees

Account for withdrawal fees in your financial planning

Use Webhooks

Automate balance tracking with webhook notifications

Troubleshooting

Balance Not Updating

Cause: Payment may still be pending confirmations Solution: Check payment status and confirmation count

Available Balance Lower Than Expected

Cause: Fees deducted or withdrawal limit reached Solution: Review transaction history and limit status

Cannot Withdraw Full Balance

Cause: Daily/monthly limit reached or minimum not met Solution: Check limit status or wait for limit reset

Next Steps

Check Balance

View the Get Balances API endpoint

Withdraw Funds

Learn about withdrawing your balance

View Transactions

See transaction history in dashboard

Webhooks

Automate balance notifications

Getting Started

Core Concepts

Webhooks

​Overview

​Balance Components

Available Balance

Pending Balance

Total Earned

Total Withdrawn

​Balance Calculation

​Example Scenario

​How Balances Grow

​Payment Flow to Balance

​Multi-Currency Balances

​Example Balance Overview

​Checking Your Balance

​Using the API

​Using the Dashboard

View Balances

​Withdrawal Limits

​Daily Limits

​Monthly Limits

​Checking Available Limits

​Requesting Higher Limits

​Auto-Sweep System

​How Auto-Sweep Works

​Benefits of Auto-Sweep

Automatic

Secure

Efficient

Real-time

​Balance Notifications

​Webhook Events

​Dashboard Alerts

Configure Webhooks

​Minimum Balances for Withdrawal

​Fee Impact on Balance

​Payment Fees

​Withdrawal Fees

Create Withdrawal

​Balance Security

​Best Practices

​Troubleshooting

​Next Steps

Check Balance

Withdraw Funds

View Transactions

Webhooks

Overview

Balance Components

Balance Calculation

Example Scenario

How Balances Grow

Payment Flow to Balance

Multi-Currency Balances

Example Balance Overview

Checking Your Balance

Using the API

Using the Dashboard

Withdrawal Limits

Daily Limits

Monthly Limits

Checking Available Limits

Requesting Higher Limits

Auto-Sweep System

How Auto-Sweep Works

Benefits of Auto-Sweep

Balance Notifications

Webhook Events

Dashboard Alerts

Minimum Balances for Withdrawal

Fee Impact on Balance

Payment Fees

Withdrawal Fees

Balance Security

Best Practices

Troubleshooting

Next Steps