The Seller Payable shown under Finance is the amount OurPay’s internal ledger currently owes an organization. It is not the balance of a seller-owned PayPal account or bank account. Under OurPay’s merchant-of-record model, this is the amount owed to the supplier from OurPay’s resale of its products or services, after the recorded fees and adjustments below. This distinction matters because every PayPal capture settles to the deployment operator’s central Business account while each organization’s earnings remain isolated in its own ledger.

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What changes seller payable

For a successfully paid order, the ledger starts with product revenue excluding collected tax, then applies:
  • The organization’s configured OurPay transaction fee
  • Any configured subscription fee
  • Full or partial refunds
  • Lost disputes and provider-reported fee debits or credits
  • Processing-fee adjustments on older payments that charged processing separately
  • Payout transactions already recorded in OurPay
Pending captures, declined payments, incomplete orders, and free trials add nothing. An open dispute does not reduce the payable until it is lost, so the displayed amount can still change. Every balance change remains linked to its originating payment, order, refund, dispute, or fee transaction. Use those ledger records for reconciliation instead of recomputing earnings from the current product price.

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PayPal cash is a different number

For each PayPal capture, OurPay records the processor’s gross amount, processor fee, and resulting net or receivable amount. That describes cash received by the central PayPal account. Payment-provider processing fees are included in your OurPay transaction fee. OurPay records PayPal’s reported processing cost as its own expense, with no separate deduction from Seller Payable. Provider refund-fee adjustments on these payments also stay with OurPay. Older payments that charged processing separately retain their original refund-fee treatment. Dispute and payout fee adjustments remain separately recorded when applicable. The two balances can differ because one is central processor cash and the other is an organization liability. They should be reconciled, never treated as interchangeable.

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Currency behavior

The standard seller ledger is denominated in USD. The central PayPal integration rejects a checkout whose currency does not match the organization’s ledger currency rather than inventing an exchange rate or overstating seller earnings. PayPal can still apply its own currency rules to the receiving Business account. Configure that account to accept every product currency before enabling live sales. See PayPal’s currency-code reference for current provider restrictions.

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Payouts and external transfers

PayPal payout execution is disabled in the standard deployment. A feature-gated PayPal Payouts rail can send to a configured PayPal recipient and reconcile its provider-reported fee after processing. That rail does not send to saved Indian bank details. Sending a seller money outside a supported OurPay payout does not automatically create a payout transaction or reduce Seller Payable. Keep a separate operational record of any manual transfer and never describe it as reconciled in OurPay.