The Finances module in Tonder serves as a crucial component for managing the financial aspects of your business. Understanding the fundamental concepts behind finances is essential for effectively navigating this module and ensuring the financial health of your operations. This page aims to provide a conceptual overview of finances and how they relate to Tonder.

Understanding Financial Concepts

Tonder presents two basic financial concepts to help you keep track of your money in our platform:


A balance represents the amount of money in your account at a given time. Balances can be categorized into various types, each serving a different purpose:

  • In Transit: Funds that are on their way to your bank account but are not yet available for use.
  • Pending: Funds that have not yet been cleared or made available for disbursement.
  • In Reserve: Funds held by Tonder to cover potential risks and liabilities associated with your transactions.


A settlement is the process of transferring funds from Tonder to your bank account. This involves aggregating all transactions over a period and disbursing the net amount after accounting for any fees, refunds, or adjustments:

  • Fees: Costs associated with processing transactions, including charges for payment processing, refunds, and other services.
  • Refunds: Amounts returned to customers for various reasons, such as returns or cancellations, which are deducted from your account balance.
  • Adjustments: Corrections or changes made to your account balance, which can include refunds, chargebacks, and other financial activities.

Finances in Tonder

Effective financial management ensures sufficient cash flow by tracking incoming sales and outgoing expenses, maintains risk management by holding funds in reserve to handle liabilities like chargebacks, and aids in financial planning by analyzing balances and settlements for informed budgeting, investment, and growth decisions.

Streamlining Financial Operations

Tonder’s Finances module is designed to streamline your financial operations by providing a centralized platform to manage all aspects of your finances. From tracking balances to processing settlements, Tonder ensures that you have complete visibility over your financial activities.

Transparency and Accountability

With Tonder, transparency is a key principle. The platform provides detailed insights into your financial transactions, ensuring that you have all the information needed to manage your finances effectively. This transparency fosters accountability and enables you to maintain accurate financial records.