Funds Guaranteed by the Escrow Account

From the moment the Escrow Account is enabled for a subaccount, all new charges and installment payments received will remain under guarantee for the period configured for that subaccount.

While under guarantee, these funds are not available in the subaccount balance and remain blocked until they are released automatically or manually, according to the Escrow Account flow.

The retention period is defined by the daysToExpire attribute, configured during the Configuring the Escrow Account for Subaccounts step.

How to check funds under guarantee

You can check the status of a guarantee by authenticating the request with the subaccount's API Key and using the Retrieve Escrow Guarantee for a Charge endpoint.

See the complete reference for this endpoint

In addition to retrieving an individual guarantee, guarantee information is also available in the escrow object returned by the charge retrieval and listing endpoints.

This allows your integration to monitor the guarantee status without maintaining parallel control mechanisms.

Available information

When retrieving a guarantee, you can monitor information such as:

• the current guarantee status;
• the scheduled release date (expirationDate);
• the related charge information;
• information used by the Escrow Account retention flow.

These details allow your platform to determine whether funds are still blocked and when they are expected to become available to the subaccount.

Example flow

Escrow Account enabled
↓
Charge received
↓
Funds remain under guarantee
↓
Check guarantee status through the API
↓
Automatic or manual release
↓
Funds become available in the subaccount balance

Operational impact

While funds remain under guarantee:

• the payment has already been received and can be queried normally through the API;
• the funds are not yet available for use by the subaccount;
• financial reconciliation should consider that the payment has been received, but the funds remain blocked until the guarantee is released.

This behavior is important for integrations that manage balances, transfers, or financial reconciliation.

Guarantee behavior

Funds remain under guarantee until one of the conditions for ending the retention period is met.

The guarantee may be released:

• automatically, when the period defined in daysToExpire expires;
• manually, by using the dedicated guarantee release endpoint;
• when the Escrow Account is disabled for the subaccount, causing all existing guarantees to be released.

The release procedures are detailed on the Releasing Funds Under Guarantee page.

Best practices

When implementing guarantee monitoring, it is recommended to:

• always use the subaccount's API Key when retrieving guarantee information;
• inspect the escrow object returned with charges to quickly identify whether fund retention exists;
• consider the guarantee period during your platform's financial reconciliation;
• avoid assuming that a received payment is immediately available before checking the guarantee status.

These practices help ensure accurate control over available funds and funds still retained by the Escrow Account.