Account and wallets

Your account is the business or individual that sends payouts. It holds one or more wallets, each in a single currency, and every payout is paid from the wallet you choose when you create it.

The account

curl "$BASE/account" -H "Authorization: Bearer $INFINITY_KEY"

Response

{
  "id": "account_5u9q6vhek42vemdc",
  "company_name": "Acme Ltd",
  "email": "ops@acme.com",
  "contact": { "first_name": "Jane", "last_name": "Doe", "phone": "+442071234567" },
  "registered_address": "1 High St, London",
  "status": "active",
  "settings": { "fee_bearer": "account", "hold_expiry_days": 30 },
  "created_at": "2026-09-01T09:00:00Z"
}

company_name is null for an individual account; the person is identified by contact.
status is active or inactive. API keys of an inactive account fail with 403 account_inactive.
Profile fields come from onboarding and aren’t editable through the API. Contact your Infinity team to change them.

Settings

Two settings change how new payouts behave.

Setting	Values	Effect
`fee_bearer`	`account` (default), `payee`	Who pays Infinity’s fee. With `account`, the fee is added to what the wallet is debited and the payee receives the full amount. With `payee`, the fee is deducted from what the payee receives.
`hold_expiry_days`	`30` (default), `60`, `90`	How long a payout to a payee who isn’t ready can stay on hold before it expires and its funds are released.

curl "$BASE/account/settings" \
  -H "Authorization: Bearer $INFINITY_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "fee_bearer": "payee" }'

The update is atomic: if any value is invalid, nothing changes and the response is 400 invalid_payer_setting_request. A change applies to payouts created afterwards. Existing payouts keep the fee_bearer and hold_expires_at they were created with. See Quotes and pricing for how fee_bearer changes the amounts.

Wallets

A wallet holds funds in one currency. You can hold wallets in several currencies, and each payout request names the wallet that pays for it with wallet_id.

curl "$BASE/wallets" -H "Authorization: Bearer $INFINITY_KEY"

Response

{
  "data": [
    { "id": "wallet_7t4m9k2qx8d3hn5r", "currency": "usd", "total": "5752.00", "reserved": "14.00", "available": "5738.00" },
    { "id": "wallet_2h9q6m3kx7t4dr8n", "currency": "eur", "total": "1200.00", "reserved": "0.00", "available": "1200.00" }
  ],
  "has_more": false
}

Field	Meaning
`id`	The wallet’s ID. Pass it as `wallet_id` when you quote or create payouts.
`currency`	The wallet’s currency, lowercase ISO 4217.
`total`	All funds in the wallet, including reserved funds.
`reserved`	Funds set aside for payouts that are on hold or in flight.
`available`	`total` minus `reserved`: what new payouts can use.

Amounts are read live on every request. GET /wallets/{id} returns a single wallet.

How a wallet’s amounts change

Event	`total`	`reserved`	`available`
A deposit is credited	increases		increases
Payouts are created, including payouts on hold		increases by their `debit_amount`	decreases
A payout is sent to the network	decreases	decreases
A payout on hold is canceled or expires		decreases	increases
A payout fails		decreases	increases
A paid payout is returned by the payee’s bank	increases when the funds arrive back		increases

When you create payouts, Infinity checks the total debit_amount against the chosen wallet’s available amount. If it doesn’t fit, the request fails with 400 insufficient_funds and nothing is created. A quote reports the same check as sufficient_balance without side effects.

For accounts enabled for payouts to India, a failed INR payout’s funds are released after a review by our operations team rather than immediately.

Events

Event	What it means for a wallet
`deposit.created`	Funds were credited.
`payout.canceled`, `payout.expired`	A reservation was released.
`payout.failed`	A payout wasn’t delivered; its funds are being released.
`payout.returned`	A paid payout came back from the payee’s bank.

See Reconciliation for matching these against your ledger.

Get started

Concepts

Build reliably

The account

Settings

Wallets

How a wallet’s amounts change

Events