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Between the tap of a card and money in your bank account, there’s a short journey. This guide maps it, so “where’s my money?” always has a concrete answer.

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The journey of a dollar

  1. A charge happens at checkout, on an invoice, or as a booking deposit. It appears immediately in Payments & Banking → Transactions.
  2. It becomes balance. After processing, the money sits in your Balance: real, yours, and queued for payout.
  3. It pays out. On your payout schedule (automatic and daily by default), Sable sends the balance to your bank. Each payout appears under Payouts with its status: pending, in transit, then deposited, with an expected arrival date the whole way.
  4. It lands. Most payouts arrive in one to two business days from the charge.
Need it faster on a particular day? Instant payout on the Payments & Banking overview moves your available balance now.

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Reading the Payouts page

Each payout shows the gross amount, what was deducted, and the bank account it went to. If a payout ever shows Failed, it’s almost always a bank account change or closure; fix the account and the money retries, it doesn’t vanish.

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Verification, in plain terms

Your payments account is identity-verified; that’s a regulatory requirement for anyone who processes cards. Sable walks you through it at Settings → Payments when you first set up, including confirming your phone with a code and accepting the payments terms. Afterward, one of these describes your account:
  • Active: verified and processing normally. This is home.
  • Onboarding: setup isn’t finished. Pick up where you left off with Finish setting up payments.
  • Restricted: the verifier needs something: a clearer document photo, a matching name, an updated detail. Sable surfaces exactly what’s being asked for, and payouts pause until it’s provided. Handle it the day you see it; the fix is usually five minutes.

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Changing your bank account

Settings → Payments → Change payout bank account. Verification protects this step (you’ll confirm a code), because rerouting payouts is exactly what a thief would love to do quietly.

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When something looks off

  • A payout is late. Check its status under Payouts first; “in transit” with tomorrow’s date is on schedule, not stuck.
  • The balance seems low. Refunds and processing fees come out before payout; the overview’s “where your money goes” section shows gross, fees, refunds, and net so the math is visible.
Still stuck? Visit the Help Center to submit a support ticket.