> ## Documentation Index
> Fetch the complete documentation index at: https://docs.dimepayments.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payouts

> How and when funds are deposited into your merchant bank account.

## 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 type | Settlement        | Payout                             |
| ------------ | ----------------- | ---------------------------------- |
| Credit card  | 1-2 business days | 2-3 business days after settlement |
| ACH          | 3-5 business days | 1 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:

```php theme={null}
// 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:

| Field                  | Description                                                                 |
| ---------------------- | --------------------------------------------------------------------------- |
| `transaction_info_id`  | Unique ID for the deposit, ties to all related transactions                 |
| `sweep_id`             | The sweep this deposit was part of                                          |
| `transaction_date`     | When the deposit was initiated                                              |
| `fund_date`            | When funds were made available in the merchant bank account                 |
| `net_amount`           | Amount deposited after fees                                                 |
| `authorization_amount` | Original transaction amount before fees                                     |
| `type`                 | `withdraw_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.

```php theme={null}
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](/guides/webhooks) -- get notified when deposits occur
* [Disputes](/guides/disputes) -- understand how chargebacks affect payouts
* [API Reference](/api-reference) -- Deposits endpoint documentation