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Introduction - Escrow Account

The Escrow Account allows you to temporarily hold amounts received by a subaccount until the guarantee ends.

While the guarantee is active, the receipt exists, but the amount is not available in the subaccount's balance. After release, the funds become part of the available balance.

When to use

Use the Escrow Account when your platform needs to control when a receipt will become available to the subaccount, for example:

  • marketplaces that release the amount after delivery is confirmed;
  • platforms that wait for a service to be completed;
  • operations with a guarantee period;
  • White Label models that control when subaccount funds are made available.

How it works

%%{init: {"flowchart": {"nodeSpacing": 18,"rankSpacing": 24,"diagramPadding": 4,"padding": 7}}}%%
flowchart TD
A["Configure the Escrow Account"] --> B["Receive a charge or installment"]
B --> C["Keep the amount under guarantee"]
C --> D["End the guarantee"]
D --> E["Make the amount available in the balance"]

classDef inicio fill:#DBEAFE,stroke:#2563EB,color:#1E3A8A,stroke-width:3px
classDef validacao fill:#E0F2FE,stroke:#0284C7,color:#0C4A6E,stroke-width:2px
classDef sucesso fill:#DCFCE7,stroke:#16A34A,color:#14532D,stroke-width:3px

class A inicio
class B,C,D validacao
class E sucesso

linkStyle default stroke:#94A3B8,stroke-width:2px

The guarantee can be ended:

  • automatically, after the configured period;
  • manually by the platform;
  • when the Escrow Account is disabled for the subaccount.

Before using

The Escrow Account can be configured for subaccounts directly through the API, without the need to request prior approval from Asaas.

Each subaccount that will take part in the flow must have the feature enabled. The configuration can be done individually or set as the default for subaccounts.

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Important

The Escrow Account is configured per subaccount.
Only subaccounts with the feature enabled will have their receipts subject to the fund retention flow.

Rules that affect the integration

  • Only charges and installments received after enablement enter the Escrow Account flow. Previous receipts remain unchanged.
  • The retention period is defined by daysToExpire.
  • A receipt under guarantee must be considered received, but not yet available in the subaccount's balance.
  • Releasing the guarantee makes the amount available in the balance.
  • When the Escrow Account is disabled, all existing guarantees of the subaccount are ended and the amounts are released.
  • After disabling, the Escrow Account can only be enabled again once all guarantees in the release process have been ended.

To check held amounts, the integration can use the information in the escrow object returned in charges or the Escrow Account-specific endpoints.

Feature billing

The Escrow Account has a recurring fee for subaccounts with the feature enabled.

During configuration, the platform can define whether the monthly fee will be debited from the main account or from the subaccount itself.

See Fee charging per configured subaccount to understand the billing cycle and who is responsible for payment.

Next steps

Updated 18 days ago

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