> ## Documentation Index
> Fetch the complete documentation index at: https://docs.singapay.id/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Check real-time balance for your merchant account or any sub-account within the Singapay Payment Gateway.

The Balance Inquiry API lets you retrieve up-to-date balance information — either at the merchant level (aggregate across all accounts) or for a specific sub-account by ULID. Use this to monitor available funds before initiating disbursements or top-ups.

## What you can do

<CardGroup cols={2}>
  <Card title="Merchant Balance" icon="building-columns">
    Retrieve the aggregate balance for the authenticated merchant across all sub-accounts.
  </Card>

  <Card title="Account Balance" icon="wallet">
    Retrieve the balance for a single sub-account by its ULID.
  </Card>
</CardGroup>

## Available endpoints

<CardGroup cols={2}>
  <Card title="Inquiry Merchant Balance" icon="chart-pie" href="./get-merchant-balance">
    Returns aggregate balance for the authenticated merchant.
  </Card>

  <Card title="Inquiry Account Balance" icon="magnifying-glass-dollar" href="./get-account-balance">
    Returns balance for one account by ULID.
  </Card>
</CardGroup>

<Note>
  All endpoints require authentication. See [Authentication](/api-reference/authentication).
</Note>