Articles on: Payments

Balance Deduction

“Balance_Deduction” is a financial adjustment carried out by Cartpanda Pay for the regularization, compensation, or coverage of pending amounts related to the account’s financial operations.

This procedure may occur in different operational and financial scenarios, always aiming to keep account balances properly adjusted.

When can a balance deduction occur?

“Balance Deduction” may be applied in situations such as:

Chargebacks;
Financial disputes;
Operational corrections;
Processing adjustments;
Negative balance coverage;
Compensation between accounts under the same ownership;
Regularization of discrepancies identified later.

Balance compensation

In some cases, an account may present a negative balance due to financial transactions, chargebacks, or operational adjustments.

When this happens, as provided in the Cartpanda Pay Terms of Use, compensation may be carried out using the available balance from other accounts under the same ownership.

Practical example

Account with positive balance: Store 1
Balance used: US$ 359.68
Account with negative balance: Store 2
Pending debit: US$ 69.98

In this scenario, part of the positive balance may be used to cover the existing negative balance, regularizing the account’s financial operation.

Balance Deduction may also occur in regularization processes related to chargebacks.

For example: an inconsistency was identified in certain international orders involving Sales Tax, where the amount deducted from the seller’s balance during the chargeback process was lower than the correct amount.

After identifying the issue, financial adjustments were made to the affected stores to compensate for the pending amounts, which then appeared in the statement as “Balance Deduction”.

how does the adjustment appear in the statement?

When applied, the adjustment appears under: Finance > Transactions, as: Balance_Deduction

is balance_deduction provided for in the agreement?

Yes. The Cartpanda Pay Terms of Use and agreements provide for the possibility of:

balance compensation;
deductions related to chargebacks;
financial regularizations;
coverage of pending debts;
and operational adjustments.

The contractual clauses also authorize automatic compensation directly from balances of accounts linked under the same ownership.

Finally: “Balance_Deduction” does not represent a new charge or additional fee.

It is an operational and financial mechanism used for balance regularization, financial compensation, and adjustments related to operations processed by the platform.

Updated on: 05/26/2026

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