Tink Balance | Visualizer

The "Tink Balance Visualizer" (referred to as in official documentation) is a feature of the Tink open banking platform that allows businesses to verify account balances in real-time. It is designed to reduce failed payments and improve the user onboarding experience for financial services. Core Functionality

: With active consent, merchants can "ping" a user's balance for up to 90 days to understand spending power and optimize billing schedules. Tink Balance Visualizer

: Access to both Booked Balance (ledger balance at the end of the business day) and Available Balance (real-time spendable funds including pending transactions). The "Tink Balance Visualizer" (referred to as in

: Integrated into "Risk Signals" to assess a user's ability to pay, helping to minimize fraud and avoid overdraft fees for consumers. Implementation and Use Cases : Access to both Booked Balance (ledger balance

: Automatically confirms account ownership and sufficient funds before setting up a mandate, reducing the average cost of failed transactions by up to 20 times.

: Developers can test the feature using Tink's Demo Bank with simulated credentials before moving to production. Tink launches Balance Check for smoother direct debts

The feature enables businesses to fetch and visualize a user's bank balance directly from their financial institution in less than . Key technical capabilities include: