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

# Track Your Payouts

> Follow the money from a customer payment to the deposit on your bank statement

Customer payments don't hit your bank account one by one. Nickel batches them into **disbursements** — one transfer to your bank account on file, covering one or more payments. This guide shows how to know when a deposit is coming, what's in it, and how to reconcile it against your books.

<Info>
  **Before you start**: You need a paid invoice to follow — see [Send an Invoice and Get Paid](/guides/send-an-invoice) — and a [webhook subscription](/concepts/webhooks) if you want to be notified instead of polling.
</Info>

<Steps>
  <Step title="Check when a payment will pay out">
    Every payment carries its own payout expectations. Fetch it with [`GET /payment/{paymentId}`](/api-reference/payment/returns-a-payment-by-id) and look at two fields:

    ```json theme={null}
    {
      "id": "cmr9zvqgk000csf025pyi3qfi",
      "status": "SUCCEEDED",
      "amountInCents": 12055,
      "estimatedDisbursementDate": "2026-07-08",
      "disbursement": null,
      ...
    }
    ```

    `estimatedDisbursementDate` is when Nickel expects to send the money to your bank. `disbursement` stays `null` until the payment is actually included in a transfer — then it carries the disbursement's `id` and `status`, which is your key for everything below.
  </Step>

  <Step title="Listen for disbursement events">
    Two webhook events track each transfer:

    | Event                    | Meaning                                                                                                                       |
    | ------------------------ | ----------------------------------------------------------------------------------------------------------------------------- |
    | `disbursement.pending`   | The disbursement was created and is on its way to your bank account on file.                                                  |
    | `disbursement.succeeded` | The receiving bank has the funds. Depending on your bank's turnaround, it may take a little longer to appear in your account. |

    The event payload contains the disbursement's ID in `associated_object_id` — fetch the details next.
  </Step>

  <Step title="Fetch the disbursement">
    Get the full picture with [`GET /disbursement/{disbursementId}`](/api-reference/disbursement/returns-a-disbursement-by-id). The response shape (illustrative values):

    ```json theme={null}
    {
      "id": "clrv6k8y80003wq02x36efjnv",
      "status": "PENDING",
      "amountInCents": 23935,
      "bankName": "JP Morgan Chase",
      "accountNumberLastFour": "4321",
      "paymentIds": [
        "cmr9zvqgk000csf025pyi3qfi",
        "cmr9wq2hx0007sf02b8u1n3vd"
      ],
      "createdAt": "2026-07-08",
      "paidAt": null
    }
    ```

    `amountInCents` is the total landing in your account — the deposit line on your bank statement. `paymentIds` lists every payment bundled into this transfer, and `paidAt` fills in once the money has been received.
  </Step>

  <Step title="Reconcile against your books">
    To itemize a deposit, walk `paymentIds` and fetch each payment:

    ```bash theme={null}
    curl https://rest.staging.nickel.com/payment/cmr9zvqgk000csf025pyi3qfi \
      -H "Authorization: Bearer $NICKEL_SANDBOX_KEY"
    ```

    Each payment gives you the invoice it settles (`paymentLinkId`), the invoice amount (`amountInCents`), and the fees involved (`fees`, `platformFeeInCents`) — everything you need to match the single bank deposit back to individual invoices in your accounting system.
  </Step>
</Steps>

## Things that trip people up

* **`disbursement.succeeded` doesn't mean "visible in your account".** It means the receiving bank has the funds; your bank's posting time adds a delay on top.
* **One deposit, many invoices.** Never assume a bank deposit maps to one payment — always itemize through `paymentIds`.
* **ACH returns can claw money back after payout.** If an ACH payment is returned up to 60 days later (the payment moves to `FAILED`), and it was already paid out, Nickel debits the return amount back. See [How Payments Work](/concepts/payments).

## Where to go next

<Columns cols={2}>
  <Card title="Webhook events" href="/concepts/webhooks" icon="bolt">
    Subscribe to disbursement.pending and disbursement.succeeded.
  </Card>

  <Card title="Refund or void a payment" href="/guides/refunds" icon="rotate-left">
    What giving money back does to your payouts.
  </Card>
</Columns>