Balances
Every settled payment is credited to your balance in your Account Currency at the rate fixed when the buyer was quoted: the invoiced amount minus Qint’s fee where you bear it — or, for a payment settled underpaid, the amount actually received minus Qint’s fee on that amount. How the credit is computed is explained in settlement and your Account Currency. The payment’s detail view and the CSV export show the amount credited (credit_amount), its currency (credit_currency) and the rate (credit_rate).
Every balance figure is exact and shown in its own currency. Each balance splits in two:
The holding period is 1–7 days (default 2), set on your account by Qint. Requested and scheduled payouts reserve the amount they need from the available balance they are paid from immediately, in the currency of that balance. You can never request more than is available.
Balances in more than one currency
You hold one balance per currency. Normally that is a single balance in your Account Currency. When you change the Account Currency, payments quoted after the change are credited in the new currency, and the balance in the previous currency stays in that currency, together with payments that were quoted before the change and settle later. The dashboard shows each previous-currency balance as its own row under the main balance, with Withdraw and, for Owner and Admin users, Convert.- Pay it out in that currency, or in another currency at the market rate: see payouts from a previous-currency balance.
- Convert it into your Account Currency at the reference rate, with no fee: see converting a previous-currency balance.
GET /api/v1/merchant/balances response lists every balance in balances (see get the balance).
Manual payouts
Dashboard → Payouts → Withdraw funds. Choose the payout type, the payout currency (CHF, EUR, USD or GBP, whichever Qint currently offers, see currency availability), the amount in that currency, and an optional note. If you hold a balance in a previous Account Currency, choose under From which balance pays the payout; it is your Account Currency balance unless you pick another. Requires the Owner, Admin or Finance role.- In the currency of the source balance: no conversion. The amount is debited from that balance as it is.
- In another currency: the amount is converted at the market rate at the time of your request. The dialog shows the rate and the amount that will be debited from the source balance; the rate is fixed on the payout when you request it. There is no conversion fee: the payout fees of the price sheet are the only charge.
GET /api/v1/merchant/payouts/quote, signed-in session) carries these figures in its fx block: sourceAmount (what the payout debits from the source balance), available (the available amount of that balance), currency (the currency of the source balance), sourceRate (payout-currency units per 1 unit of the source balance currency, 1 when they are the same) and asOf (the time of the rate).
Payouts from a previous-currency balance
The payout quote (GET /api/v1/merchant/payouts/quote) and the payout request (POST /api/v1/merchant/payouts) take an optional sourceCurrency: the balance the payout is paid from (CHF, EUR, USD or GBP). Omitted, it is your Account Currency. A payout from a previous-currency balance is priced exactly like one from the main balance, with that balance as the source: in the same currency there is no conversion, in another currency the market rate at the time of the request applies. The CHF 5’000 threshold of the payout fees and the cash limit are measured on the CHF value of the amount debited. In the dashboard, Withdraw on a previous-currency row opens the dialog with that balance preselected under From.
Scheduled payouts only draw on your Account Currency balance. A previous-currency balance is paid out or converted when you decide.
Cash payouts share a platform-wide daily limit of CHF 200’000 (equivalent) per calendar day in Europe/Zurich time, across all merchants and counting every requested, scheduled or executed cash payout of that day. A cash request (or its quote) that would exceed what is left today is refused with HTTP 409 and
code: "cash_daily_limit", whose message says how much is still available — request a smaller amount, try again the next day, or choose a bank payout.
Qint payouts are record-and-track: the payout request is registered with Qint’s payment partner for execution, and its status updates flow back into your dashboard automatically. Each payout carries a reference once executed — use it to reconcile against your bank statement.
Payout lifecycle
Payout wallets
Crypto payouts are not offered at launch. The payout wallet flow below is kept for a later date and may be hidden in the dashboard until then; while crypto payouts are not offered, a crypto payout request is refused.
- Register. Under Dashboard → Settings → Payout wallets, add a wallet: the network (Tron, Ethereum or Solana, as offered for the payout asset), the address and an optional label. The address format is checked for the network. Adding and removing wallets requires the Owner or Admin role.
- Approval. Qint forwards the wallet to 24crypto, where it shows as pending. A 24crypto operator whitelists the address in Fireblocks and approves it — or rejects it with a note. Owner and Admin users get an e-mail either way (“Payout wallet approved” / “Payout wallet rejected”, with the operator’s note).
- Pay out. In Payouts → Withdraw funds → Crypto, pick one of your approved wallets. The dialog lists approved wallets only.
Payouts already requested are not affected by a later status change.
Errors
A crypto payout request references its wallet with
payoutWalletId (the wallet’s pw_… id); network and destinationAddress are then taken from the wallet. Requests that send network and destinationAddress without an id are still accepted, but only when they match an approved wallet.
Scheduled payouts
Automatic payouts are switched on per merchant by Qint. Until that happens your
schedule is Manual — you request each payout yourself — and the dashboard
shows “Automatic payouts off” instead of the schedule picker. Contact support to
have scheduled payouts enabled for your account.
When due, Qint automatically creates one Bank payout of the full available Account Currency balance in your schedule currency (or your bank currency when none is set, else your Account Currency), converted at the market rate of that moment only when it differs from your Account Currency, provided it’s at least 10.00 in that currency. On the payout routes with a minimum (see Fees), what happens below the equivalent of CHF 5’000 depends on whether you have set a minimum amount for automatic payouts:
- No minimum set: the scheduled payout waits until the balance is worth the equivalent of CHF 5’000 and is free. It never pays the early-payout fee; the balance simply accumulates until it reaches the threshold.
- Minimum set: the scheduled payout goes out as soon as the balance reaches your minimum, and a payout below the equivalent of CHF 5’000 is charged the CHF 25 early-payout fee of the price sheet, exactly as a manual payout of the same amount would be.
Minimum amount for automatic payouts
You can set a minimum balance for automatic payouts under Dashboard → Payouts, in your Account Currency (two decimal places). A scheduled payout then runs as soon as your available balance reaches that amount; below it, nothing is paid out that period and the balance is checked again on the next due day. A value below 10.00 does not lower the 10.00 floor. If you set a minimum balance, automatic payouts no longer wait for the CHF 5’000 threshold: on the routes with a minimum (EUR to a Swiss bank account, CHF to a foreign bank account, other foreign currencies), a payout below the equivalent of CHF 5’000 is charged CHF 25, deducted from the payout, as set out in the price sheet. Setting the minimum counts as your consent to that fee; the payout row shows the fee and the net amount like any early payout. CHF payouts to a Swiss bank account are always free. Leave the field empty for no minimum: automatic payouts on the routes with a minimum then wait until your balance reaches the equivalent of CHF 5’000 and are free. Manual payouts are not affected. Setting the minimum requires the Owner or Admin role.Fees
Qint’s service fee is a small conversion spread (1 %) taken when a payment is credited to your balance — there are no fee lines on invoices or checkout, and a payout in a currency other than your Account Currency carries no conversion fee. Your current fee plan (spread and who pays it) is shown in the dashboard, where Owner/Admin users can also toggle who pays it: absorbed by you, or added on top for the customer. Underpayment tolerance: 1 % by default, up to 2 % at your choice (Settings → Payouts). A crypto payment short by no more than the tolerance counts as paid in full and is credited on the amount received; see underpayments. The tolerance is listed with the fees on qint.ch/pricing.Payout fees
Payout fees apply in addition to the conversion spread and depend on where the money goes. They are the “price sheet” referenced by the Terms & Conditions (version 2026-10), published at qint.ch/pricing. Bank payouts below the equivalent of CHF 5’000 on the routes with a minimum are charged CHF 25 per payout, as set out in the price sheet:
The route is decided per payout from the payout currency and the country of your registered IBAN. A GBP payout always falls under any other foreign-currency payout. For payout types with a minimum, your balance accumulates until a payout is worth the equivalent of CHF 5’000 (at the current CHF rate) — then it is free. If you need the money earlier, the dashboard shows the fee and the net amount before you confirm; the early-payout fee is deducted from the payout and the net amount is transferred. Payout rows and the CSV export carry
fee_amount and net_amount; the requested gross amount is what is reserved from your balance.
Requesting an early payout through the dashboard requires an explicit confirmation of the fee. Scheduled payouts charge it only if you have set a minimum amount for automatic payouts; without one they wait for the threshold and are free.