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Yugo Balance Settlement

Yugo Balance Settlement delivers received funds to a destination owned by the Merchant and managed by Yugo.

API value: settlement.method = yugo_balance

The request is always the same — you send settlement.method = yugo_balance. The destination of your Yugo balance is configured per Merchant in the Yugo backend during onboarding, as one of:

  • Web3 custodial wallet managed by Yugo — received fiat is converted to the configured crypto asset and delivered to the Merchant's custodial wallet.
  • Merchant Named Bank Account — received funds are held as fiat in a bank account opened in the Merchant's name, which Yugo has delegated access to manage.

How It Works​

Crypto (Web3 custodial wallet)​

  1. Yugo receives the funds from the Payer
  2. Yugo converts fiat to the configured crypto asset
  3. Crypto is delivered to the Merchant's custodial wallet

Fiat (Merchant Named Bank Account)​

  1. Yugo receives the fiat funds from the Payer
  2. Funds are held as fiat in the Merchant Named Bank Account

Settlement Timing​

Timing depends on the payment method used:

Payment MethodFund ReceiptDelivery to Yugo balance
Open BankingSame dayAfter fiat settlement
Card / Apple Pay / Google PayUp to 3 business daysTypically day 4

Chargeback Reserve (Card-Network Payments)​

When the payment method is card, Apple Pay, or Google Pay, a chargeback reserve applies:

  • 90% of the amount is released immediately after settlement
  • 10% is held as a reserve for 180 days
  • The dispute window for card payments is up to 120 days
info

This reserve does not apply to open banking payments, which are irrevocable.

Fund Management​

After Settlement, funds are available in the Yugo Business Portal, where you can:

  • View balances and transaction history
  • Manage received funds and Payouts
  • Configure API keys and users

Constraints​

  • Requires Yugo to intermediate the funds
  • The settlement destination (crypto wallet or bank account) is configured per Merchant during onboarding
  • The RECEIVED and SETTLED statuses apply in this flow

Used in Quickstarts​

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