--- title: Improvements to the Balances Endpoint description: We’ve released improvements to our Balances endpoint. Please note that these improvements will not affect your current implementation. This endpoint originally returned an end-of-day balance calculation based on Plaid balances, using current and available balances interchangeably. We now have distinct balances for an account’s current balance (considering posted transactions only) and available balance (considering both […] --- [Skip to content](https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint#main-content) Pave Financial, Inc. Open main navigation Close main navigation - [Contact us](https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint#contact) [Contact us](https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint#contact) Mar 17, 2023 8:19:20 AM # Improvements to the Balances Endpoint [Julia Puzzo](https://hs.pavefi.com/pave-blog/author/julia-puzzo) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint) [Twitter icon](https://twitter.com/intent/tweet?url=https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint) [envelope icon](mailto:?body=https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint) We’ve released improvements to our [Balances endpoint](https://docs.pave.dev/insights/balances). Please note that these improvements will not affect your current implementation. This endpoint originally returned an end-of-day balance calculation based on Plaid balances, using current and available balances interchangeably. We now have distinct balances for an account’s current balance (considering **posted** transactions only) and available balance (considering **both posted and pending** transactions).  ### Why this matters The balances endpoint provides a view of a user’s end-of-day balance, and balance trends including when the user experiences negative or single-digit account balance days. This endpoint improvement lets you differentiate between a user’s current balance and available balance. You can select the balance that matches your internal definition, and tailor your use of the balances endpoint to your needs. ### Examples of when you might want to use current vs available balance **Available balance** As a lender, you may want to consider a user’s available balance (including both pending and posted transactions) to ensure there are sufficient funds to cover a payment  **Current balance** In PFM use cases, it might be a better user experience to show someone their current balance to allow the user to see how much money is flowing in and out of their account at any given time. ### Here are some FAQs to get you started! **How are the new balances represented in the endpoint?** We’ve added two new fields to the Balances endpoint: current\_balance\_eod and available\_balance\_eod. Please refer to [our docs](https://docs.pave.dev/insights/balances/) to see all of the fields in the Balances endpoint. **When will the balances\_eod field be deprecated?** The balances\_eod field will be deprecated on March 30th. Please note that while the balances\_eod field temporarily remains in the endpoint for backward compatibility, it is now displaying the same value as the current\_balance\_eod field.  Additionally, please note that the is\_uploaded field, the  is\_within\_uploaded\_balances\_range field, and the confidence\_score field now reflect the current\_balance\_eod field. We will be adding corresponding fields for the available\_balance\_eod field on March 30th. ### Documentation You can find the documentation here – [https://docs.pave.dev/insights/balances/](https://docs.pave.dev/insights/balances/) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [equitable finance](https://hs.pavefi.com/pave-blog/tag/equitable-finance), [balances](https://hs.pavefi.com/pave-blog/tag/balances) ## Related posts [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Integration-Medium.png?height=200&name=Integration-Medium.png)](https://hs.pavefi.com/pave-blog/blog/unit-integration) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [Announcing our Unit Integration](https://hs.pavefi.com/pave-blog/blog/unit-integration) [Lennon Chimbumu](https://hs.pavefi.com/pave-blog/author/lennon-chimbumu) Nov 15, 2022 7:22:50 AM We’ve launched a new Unit integration that allows you to upload bank transaction data from your... [Read more](https://hs.pavefi.com/pave-blog/blog/unit-integration) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [Announcing the User Labels Endpoint](https://hs.pavefi.com/pave-blog/blog/announcing-the-user-labels-endpoint) [Admin](https://hs.pavefi.com/pave-blog/author/admin) Dec 13, 2022 7:58:29 AM We’ve released our User Labels endpoint. The User Labels endpoint allows you to assign labels to a... [Read more](https://hs.pavefi.com/pave-blog/blog/announcing-the-user-labels-endpoint) [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Models-Attributes-Medium-Oct-17-2024-09-29-56-4774-PM.png?height=200&name=Models-Attributes-Medium-Oct-17-2024-09-29-56-4774-PM.png)](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [attributes](https://hs.pavefi.com/pave-blog/tag/attributes), [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [New Attributes on Reversed Payments, Loan Payment Timeliness, Balances, and Expenditure Trends](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Apr 26, 2024 5:08:47 AM This month, we added 140 new Attributes to our Cashflow Attributes API. These Attributes provide... [Read more](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) facebook-f icon linkedin-in icon Twitter icon instagram icon - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 --- # Pave Financial, Inc. 123 Main Street, City, State 11111 Copyright © 2026, Pave Financial, Inc ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Julia Puzzo", "url" : "https://hs.pavefi.com/pave-blog/author/julia-puzzo" }, "dateModified" : "2024-10-17T21:31:52.673Z", "datePublished" : "2023-03-17T15:19:20.000Z", "headline" : "Improvements to the Balances Endpoint", "mainEntityOfPage" : { "@id" : "https://hs.pavefi.com/pave-blog/blog/improvements-to-the-balances-endpoint", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hs.pavefi.com/hubfs/PaveLogo-t.png" }, "name" : "Pave Financial, Inc" } } ```