The Merchant Portal Overview

Step-by-Step Instructions

Part 1: Open the Merchant Portal and orient yourself

1. Sign in to GrowthZone and open the Merchant Portal from the left-hand navigation. Click GZPay and then Dashboard.
   • The Dashboard tab loads first by default — this is the main landing view and where you'll spend most of your time.

2. Take a moment to learn the layout. The dashboard has two zones, separated by a thin gray line:

   • The balance strip is pinned to the top — this is where you check the money side of things.
   • The payouts list sits below the gray line — this is the searchable, filterable history of every payout that has moved (or is moving) to your bank.

   The layout intentionally mirrors Stripe's merchant dashboard, so if you've used Stripe before, the patterns will feel familiar.

3. Confirm the top-right of the dashboard does not show a "Status Unavailable" badge. If it does, your onboarding isn't complete, and the numbers on the dashboard will not be accurate. Contact the Onboarding team to finish setup before continuing.

Part 2: Read your balance at a glance

4. Read the first number on the balance strip: Total balance. This is every cent tied to your account across all states — funds in transit to your bank, funds available for payout, and upcoming funds still settling. If you wanted one number that answers "How much money do I have in GZ Pay right now?", this is it.
5. Read the second number: Available to pay out. These are settled funds — transactions that have cleared and are queued to move on your next scheduled payout. This number is always less than or equal to the total balance because it excludes items still in transit or still being processed.
6. Read the third value: Next payout scheduled for. This is the date your Available to pay out funds are queued to leave the GZ Pay balance and start their journey to your bank. Payouts typically arrive 1–5 business days after this date, depending on your bank.

7. For a full breakdown, click the See details button on the right side of the balance strip. A modal titled Your balance opens with four rows:

   • On the way to your bank — funds in transit, already left GZ Pay, not yet landed.
   • Upcoming payouts (estimated) — what's expected to pay out next cycle. See step 8 for what "(estimated)" means.
   • Available in your balance — settled funds queued for the next payout.
   • Total balance — the sum of the three above.

   Your destination bank account (e.g., STRIPE TEST BANK ••••6789) is listed below the four rows so you can confirm where payouts are going.

8. If you see an (estimated) label next to Upcoming payouts, hover the info icon (the small "i" symbol) to reveal the tooltip: "This amount is estimated because transactions are still processing." The number firms up as transactions settle — this is expected behavior, not a bug, and the value will update on its own.
9. Close the Your balance modal by clicking the X in the top-right corner or by clicking outside the modal. You'll return to the main dashboard.

Part 3: Browse and filter your payout history

10. Scroll to the payouts list below the gray separator line. Each row represents one payout and shows four columns:

    • Date — when the payout was initiated.
    • Status — a colored badge: Paid (green, completed), Withdrawn (gray, an outbound withdrawal), In transit (blue, moving to your bank), or Failed (red, did not complete).
    • Destination — the bank account that received (or will receive) the funds.
    • Amount — the dollar value of the payout, in USD.

    The list shows 10 rows per page. Use the Previous and Next buttons at the bottom of the table to page through older payouts.

11. To narrow your search, use the four filter buttons above the table: Status, Amount, Method, and Date. Each opens its own dropdown.
12. Click Status to filter by payout status. In the dropdown, choose the status you want (for example, "paid") and click Apply. The payout list re-renders to show only payouts matching that status.

13. Use the other three filters the same way:

    • Amount — filter by a specific dollar amount or a range (greater than, less than, equal to).
    • Method — filter by payout method (typically Standard).
    • Date — filter by a specific date or date range.

    Filters can be combined—for example, "Paid" + "Last month" + "greater than $500" narrows the list to large completed payouts from the previous month. Click Apply in each dropdown to commit a filter.

14. To clear filters, open each dropdown again and reset its value, or refresh the dashboard to start fresh.

Part 4: Drill into a specific payout

15. Click any row in the payouts list to open that payout's drilldown panel. The panel slides in from the right and shows everything you need to know about that single payout, broken into four sections.
16. Review the Timeline section at the top. This shows the lifecycle of the payout with three milestones, each with its own date and time stamp:
    • Payout initiated automatically — when GZ Pay queued the payout.
    • Payout in transit — when the funds are left GZ Pay and start moving to your bank.
    • Payout completed — when the payout finished. If your bank hasn't seen the funds yet, the timeline includes a "Can't find your payout?" callout reminding you that banks can take up to 5 business days.
17. Scroll to the Overview section to see the destination bank, the payout amount, the type (typically Bank account), the method (typically Standard), and most importantly, the Payout Trace ID.
18. If your bank doesn't see the payout and asks for a reference number, copy the Payout Trace ID from the Overview section and share it with them. Some banks call it a "reference number" or "originator reference". Hover the info icon next to the field for the in-product explanation.
19. Continue to the Summary section. This table rolls up everything that contributed to the payout total: Charges, Refunds, and Adjustments, each shown with Count, Gross, Fees, and Total. The Payouts row at the bottom shows the final amount that hits (or will hit) your bank account.
20. At the bottom of the drilldown is the Transactions section — a line-by-line list of every transaction that fed into this payout. Click any row to drill one level deeper into that specific Payment, Refund, or Transfer.
21. When reading the Transactions list, expect to see four kinds of line items:
    • Payout — the payout itself, shown as a negative amount because money is leaving the GZ Pay balance and arriving at your bank.
    • Payment — the original customer charge that funded part of the payout. Click it to see the underlying transaction.
    • Transfer — an internal movement, most commonly seen for refunds. The sub-label typically reads "Transfer for refund. TransferGroupId: group_pi_…"
    • Payment Refund — labeled "REFUND FOR PAYMENT" with a negative amount. Offsets the related payment within the same payout group.
22. When you're done, close the drilldown panel by clicking the X in the top-right of the panel. You'll return to the main payouts list with your filters still applied.

Part 5: Export your payout history to CSV

23. Click the Export button at the top-right of the payouts list. The Export payouts modal opens.
24. Choose a Date range. You have six presets and a custom option:
    • Today — just today's payouts.
    • Current month — everything from the 1st of this month.
    • Last 7 days — rolling 7-day window.
    • Last month — the full previous calendar month.
    • All — everything in your account's payout history.
    • Custom — opens a date-range picker for a specific window. Pick a start date and end date, then continue.
25. Under Columns, select which fields you want in the CSV. The default preset includes 13 columns: ID, Amount, Created (UTC), Currency, Arrival Date (UTC), Source Type, Status, Type, Method, Balance Transaction, Destination Name, Destination Country, Destination Last 4. If you only need a quick reconciliation, swap to a smaller preset to keep the file lean.
26. Click Export at the bottom of the modal. The CSV downloads to your device through your browser. There's no scheduled export or email delivery in v1, so you'll repeat this each time you need a fresh file.
27. Open the CSV in your spreadsheet tool of choice (Excel, Google Sheets, or Numbers) and reconcile it with your accounting system. If something looks off, return to the portal, open the relevant payout's drilldown, and compare line by line against the Transactions section.

Frequently Asked Questions