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

# Get merchant balance

> Retrieve the current merchant USD collection and withdrawal balances

## Overview

Returns your current merchant USD balances. The response includes separate `collection_balance_usd` and `withdrawal_balance_usd` fields. The collection balance accumulates from funding account deposits and USD virtual account deposits, and can be transferred to the withdrawal balance via the [balance transfer endpoint](/api-reference/merchant-balance/transfer-merchant-balance). The withdrawal balance is used for transfers and on-chain withdrawals.

## Authentication

<ParamField header="X-Api-Key" type="string" required>
  Your merchant API key
</ParamField>

## Request Examples

<CodeGroup>
  ```bash cURL theme={null}
  curl --request GET \
    --url https://api.daya.co/v1/merchant/balance \
    --header 'X-Api-Key: YOUR_API_KEY'
  ```

  ```javascript JavaScript theme={null}
  const response = await fetch('https://api.daya.co/v1/merchant/balance', {
    headers: {
      'X-Api-Key': 'YOUR_API_KEY'
    }
  });

  const balance = await response.json();
  console.log(balance);
  ```
</CodeGroup>

## Response

<ResponseField name="data" type="object">
  Current merchant balance details.

  <Expandable title="data properties">
    <ResponseField name="collection_balance_usd" type="string">
      Collection balance in USD. Accumulates from funding account deposits and USD virtual account deposits.

      **Example:** `500.1234`
    </ResponseField>

    <ResponseField name="withdrawal_balance_usd" type="string">
      Withdrawal balance in USD. Used for on-chain withdrawals and merchant funding.

      **Example:** `100.1234`
    </ResponseField>
  </Expandable>
</ResponseField>

### Success Response

<ResponseExample>
  ```json 200 OK theme={null}
  {
    "data": {
      "collection_balance_usd": "500.1234",
      "withdrawal_balance_usd": "100.1234"
    }
  }
  ```
</ResponseExample>

## Error Responses

This endpoint may return:

* `401`: Unauthorized
* `500`: Internal server error

## Next Steps

<CardGroup cols={3}>
  <Card title="Transfer Balance" icon="arrow-right-arrow-left" href="/api-reference/merchant-balance/transfer-merchant-balance">
    Move funds from collection to withdrawal balance
  </Card>

  <Card title="Withdraw Balance" icon="paper-plane" href="/api-reference/merchant-balance/withdraw-merchant-balance">
    Transfer withdrawal balance to an on-chain address
  </Card>

  <Card title="Merchant Funding" icon="money-bill" href="/api-reference/merchant-funding/get-merchant-funding">
    View funding instructions to top up your balance
  </Card>
</CardGroup>