Skip to main content

​
How payouts work

When a transaction settles, the funds move into an escrow account held by Dime Payments. From there they are swept into your merchant’s linked bank account on a regular schedule. Each payout is called a deposit or sweep in the API and dashboard. A single sweep may include multiple transactions settled during that period.

​
Payout timing

Typical payout timing by payment type:
Payment typeSettlementPayout
Credit card1-2 business days2-3 business days after settlement
ACH3-5 business days1 business day after settlement
Exact timing depends on your processor configuration. Contact your Dime Payments representative for specifics on your account.

​
Viewing deposits via API

Use the Deposits endpoints to retrieve payout data for reconciliation: 
// List all deposits for a merchant
$deposits = $dime->deposits->list('YOUR_SID', [
    'start_date' => '2026-01-01 00:00:00',
    'end_date'   => '2026-01-31 23:59:59',
]);

// List deposits with all supporting transactions
$deposits = $dime->deposits->listWithTransactions('YOUR_SID', [
    'start_date' => '2026-01-01 00:00:00',
    'end_date'   => '2026-01-31 23:59:59',
]);

// Show a specific deposit
$deposit = $dime->deposits->show('YOUR_SID', [
    'transaction_info_id' => '983999999',
]);

​
Deposit object

Each deposit includes the following fields:
FieldDescription
transaction_info_idUnique ID for the deposit, ties to all related transactions
sweep_idThe sweep this deposit was part of
transaction_dateWhen the deposit was initiated
fund_dateWhen funds were made available in the merchant bank account
net_amountAmount deposited after fees
authorization_amountOriginal transaction amount before fees
typewithdraw_funds (payout to merchant) or add_funds (escrow replenishment)

​
Deposit types

withdraw_funds — the most common type. Funds from settled transactions are moved from escrow to the merchant’s bank account. add_funds — occurs when the escrow account needs to be replenished, typically to cover a refund or return where the original funds have already been swept out.

​
Reconciliation

Use the sweep_id to group transactions that were paid out together. The listWithTransactions endpoint returns each deposit with its full list of supporting transactions — useful for matching payouts to individual charges in your accounting system. 
foreach ($dime->deposits->listWithTransactions('YOUR_SID') as $deposit) {
    echo "Sweep {$deposit->sweepId}: {$deposit->transTotal}\n";
    foreach ($deposit->transactions as $txn) {
        echo "  - {$txn->transactionNumber}: {$txn->amount}\n";
    }
}

​
Bank account setup

Bank account details are configured inside the Dime Payments dashboard under Settings > Bank Account. Changes to bank account information require verification and may delay payouts.

​
Next steps

  • Webhooks — get notified when deposits occur
  • Disputes — understand how chargebacks affect payouts
  • API Reference — Deposits endpoint documentation