---
title: What happens to a payment that can't be matched to a sales invoice?
description: "Unsettled balance with OWNER Pay: when it arises, how it's settled and when it's refunded automatically."
---

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October 20, 2026

# What happens to a payment that can't be matched to a sales invoice?

## A payment without a matching sales invoice remains as a balance until it's settled or refunded.

If a debtor transfers money that can't be matched to an outstanding sales invoice, it remains as a balance in the OWNER Pay account. This is how it's processed further.

**OWNER Pay is being replaced by [OWNER Wallet](https://knowledge.owner.app/en/what-is-owner-wallet?hsLang=en)** (expected end of 2026). You keep the same account; your account just needs to be verified again.

**In this article**

1. [When does an unsettled balance arise?](https://knowledge.owner.app/en/unmatched-payments#wanneer)
2. [What happens to the balance?](https://knowledge.owner.app/en/unmatched-payments#verwerking)
3. [Where do you see the balance?](https://knowledge.owner.app/en/unmatched-payments#waar-zie-je-het)

## When does an unsettled balance arise?

- The debtor pays more than is outstanding.
- There are no outstanding sales invoices for this debtor.

## What happens to the balance?

| When | What happens? |
| --- | --- |
| **New sales invoice** | If you create a new sales invoice for the same debtor, the balance is automatically settled according to the fixed [matching order](https://knowledge.owner.app/en/bank-transfer-matching?hsLang=en). |
| **Refund via support** | Don't want to settle it? Then have the amount refunded. Support does that for you. See [How does a refund work?](https://knowledge.owner.app/en/refunds?hsLang=en). |
| **After 75 days** | OWNER Pay tries to refund the amount automatically to the account it was paid from. |
| **After 90 days** | If the refund doesn't succeed, for example because the account details are missing, the amount is transferred to the general balance of the OWNER Pay account. You then arrange the repayment with the debtor yourself. |

## Where do you see the balance?

1. Open the debtor (the person or the company).
2. On the left, click the linked bank account.
3. You see all transactions, what they were applied to and the balance that's still available.

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