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© Fiskil 2026. All rights reserved.
Fintech
Balance Checking
Failed transactions due to insufficient funds create poor user experiences and operational costs. Fiskil's balance checking API enables real-time balance verification before initiating payments, transfers, or purchases.
Without real-time balance visibility, transactions fail, causing declined payments, NSF fees, and frustrated customers.
Payments fail due to insufficient funds at transaction time
Users incur NSF fees ($10-35 per declined transaction)
Failed direct debits damage merchant-customer relationships
No way to prevent payment failures before they occur
High operational costs processing failed transactions
Check account balances in real-time before processing payments to prevent failures and improve user experience.
Verify current available balance instantly before initiating transactions or payments.
Check balances across multiple linked accounts to find sufficient funds.
Get accurate available balance considering pending transactions and holds.
Automatically select accounts with sufficient funds for payment processing.
Integrate real-time balance checks into your payment flow.
User authorizes access to their bank accounts through Fiskil's secure CDR consent flow.
Before processing payment, query the balance API to verify sufficient funds are available.
If balance is insufficient, prompt user to select a different account or add funds before proceeding.
Complete transaction with confidence knowing funds are available, reducing failure rates.
Balance checks return in under 1 second for seamless user experience at checkout.
Available balance accounts for pending transactions and temporary holds.
Identify accounts with overdraft facilities and available overdraft amounts.
Check multiple accounts in order of preference to find sufficient funds.
Set minimum balance thresholds to ensure buffer room for other expenses.
Access balance history to predict optimal payment timing.
A BNPL app checks balance before approving purchases to ensure customers can afford instalments.
Result: Reduced failed payment rate from 12% to 2%, saving $150k annually in recovery costs.
A wallet app verifies balance before allowing fund transfers to prevent overdrafts.
Result: NSF fees eliminated for users, improving customer satisfaction score by 35 points.
A subscription manager checks balance before processing recurring payments.
Result: Subscription retention improved by 18% by preventing failed payment cancellations.
GET /accounts/{accountId}/balanceGET /accounts/{accountId}/available-balancePOST /balance-checkGET /accounts/balancesCurrent balance
Available balance
Pending transactions
Overdraft limit
Currency code
Last updated timestamp
OAuth 2.0 / CDR consent
Yes
Balance data comes directly from the bank and reflects the most current balance available through CDR APIs, typically updated within seconds.
Yes, the available balance endpoint factors in pending transactions and holds to give an accurate picture of spendable funds.
Yes, you can batch balance checks across multiple accounts to find one with sufficient funds.
The API returns cached balance with a timestamp indicating data freshness, allowing you to decide whether to proceed.
Most balance checks complete in under 1 second, making it suitable for real-time checkout flows.
Yes, the API supports retry logic with exponential backoff for handling temporary failures.
Yes, balance checking through Fiskil is fully CDR-compliant with appropriate user consent.
Fintech
Verify bank account ownership instantly with real banking data. Eliminate micro-deposits and fraud with instant account verification across 100+ Australian banks.
Neobanks
Enable customers to fund digital wallets instantly from their bank accounts. Provide seamless wallet top-ups with real-time balance verification.
Consumer Finance
Verify customers can afford installment payments in real-time. Reduce payment failures and defaults by assessing true payment capability from banking data.
Join hundreds of companies using Fiskil to power their fintech applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.