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

# Payouts and verification

> How money moves from a client's card to your bank, and what to do when verification asks for more.

Between the tap of a card and money in your bank account, there's a short
journey. This guide maps it, so "where's my money?" always has a concrete
answer.

## The journey of a dollar

1. **A charge happens** at checkout, on an invoice, or as a booking
   deposit. It appears immediately in **Payments & Banking** →
   **Transactions**.
2. **It becomes balance.** After processing, the money sits in your
   **Balance**: real, yours, and queued for payout.
3. **It pays out.** On your payout schedule (automatic and daily by
   default), Sable sends the balance to your bank. Each payout appears
   under **Payouts** with its status: pending, in transit, then deposited,
   with an expected arrival date the whole way.
4. **It lands.** Most payouts arrive in one to two business days from the
   charge.

Need it faster on a particular day? **Instant payout** on the
Payments & Banking overview moves your available balance now.

## Reading the Payouts page

Each payout shows the gross amount, what was deducted, and the bank account
it went to. If a payout ever shows **Failed**, it's almost always a bank
account change or closure; fix the account and the money retries, it
doesn't vanish.

## Verification, in plain terms

Your payments account is identity-verified; that's a regulatory
requirement for anyone who processes cards. Sable walks you through it at
**Settings** → **Payments** when you first set up, including confirming
your phone with a code and accepting the payments terms.

Afterward, one of these describes your account:

* **Active**: verified and processing normally. This is home.
* **Onboarding**: setup isn't finished. Pick up where you left off with
  **Finish setting up payments**.
* **Restricted**: the verifier needs something: a clearer document photo,
  a matching name, an updated detail. Sable surfaces exactly what's being
  asked for, and payouts pause until it's provided. Handle it the day you
  see it; the fix is usually five minutes.

## Changing your bank account

**Settings** → **Payments** → **Change payout bank account**. Verification
protects this step (you'll confirm a code), because rerouting payouts is
exactly what a thief would love to do quietly.

## When something looks off

* **A payout is late.** Check its status under **Payouts** first; "in
  transit" with tomorrow's date is on schedule, not stuck.
* **The balance seems low.** Refunds and processing fees come out before
  payout; the overview's "where your money goes" section shows gross,
  fees, refunds, and net so the math is visible.

## Related

* [Connect payments](/getting-started/connect-payments)
* [Checkout, refunds, and receipts](/guides/payments/checkout-refunds-and-receipts)
* [Understand your reports](/guides/reports/understand-your-reports)

**Still stuck?** Visit the [Help Center](/help) to submit a support ticket.