# Float top-up guide

> Payouts and refunds are funded from your float balance. Set up your static top-up reference once, then load funds whenever your float runs low.

Source: https://hub.ozow.com/payment-products/settlements-and-float/float-top-up/

Ozow uses your float balance to fund payout transactions and refunds. Without sufficient funds in
your float, payouts and refunds will fail. Before you can process any payouts or refunds, your float
must have sufficient funds loaded. This guide walks you through setting up your static top-up
reference and loading funds into your float.

> ℹ️ **You only need to complete this setup once.** Your static top-up reference and beneficiary
> details are permanent, they will not change. Once set up, all you need to do is make a payment to
> Ozow using your saved beneficiary details whenever you want to top up your float.

## Before you start

- You need an active Ozow merchant account with payout and/or refund access enabled
- You need access to your internet banking to add Ozow as a beneficiary and make a payment

## Step 1: Log in to the Ozow Dashboard

Visit [dash.ozow.com](https://dash.ozow.com) and log in to your merchant account.

## Step 2: Navigate to Float Top-ups

Go to [dash.ozow.com/MerchantAdmin/Refund/ReferenceTopups](https://dash.ozow.com/MerchantAdmin/Refund/ReferenceTopups)

You can also find this page by navigating to **Float** in the left-hand menu.

## Step 3: Click "Top-up Float"

Click the **Top-up Float** button on the right-hand side of the page.

## Step 4: Select your top-up type

You will be redirected to the top-up type selection page at [dash.ozow.com/MerchantAdmin/Refund/ReferenceTopUpTypeSelection](https://dash.ozow.com/MerchantAdmin/Refund/ReferenceTopUpTypeSelection).

Select **No, Thanks** and click **Submit**.

## Step 5: Copy your static reference

You will be redirected to your static top-up reference page at [dash.ozow.com/MerchantAdmin/Refund/GetStaticTopUpReference](https://dash.ozow.com/MerchantAdmin/Refund/GetStaticTopUpReference).

Copy your static reference by clicking the copy icon next to it.

> ⚠️ **Important**: Do not alter your static reference in any way. It must be used exactly as shown.
> This reference is a unique identifier for your float in Ozow's system.

## Step 6: Add Ozow as a beneficiary in your internet banking

Log in to your internet banking and add Ozow as a beneficiary using the banking details shown on the
static reference page in Step 5. Save your static reference against the beneficiary details in your
internet banking.

> ⚠️ **Important**: Save your static reference against the beneficiary details in your internet
> banking. You must use this exact reference every time you top up. Do not change it.

> ⚠️ **Security warning**: Only use the banking details shown on your Ozow Dashboard. Never use
> banking details shared by a third party or found outside of your official Ozow Dashboard.

## Step 7: Make a payment

Once you have added Ozow as a beneficiary, make a payment for the amount you want to load into your
float. Enter the desired top-up amount when making the payment.

Once Ozow receives your payment, the system will automatically assign the value to your float. You
can confirm your updated float balance at
[dash.ozow.com/MerchantAdmin/Refund/ReferenceTopups](https://dash.ozow.com/MerchantAdmin/Refund/ReferenceTopups).

> ℹ️ **Plan ahead**: Given the 1-2 business day processing time, we recommend topping up your float
> before it runs low rather than waiting until funds are depleted. Your low float balance alert will
> help you stay ahead of this.

## Low float balance alerts

As part of your payout and/or refund integration setup, Ozow will configure a low float balance
email alert for your account. This alert notifies you automatically when your float balance drops
below a threshold agreed on during setup, giving you time to top up before payouts or refunds start
failing.

You do not need to set this up yourself, Ozow configures it as part of your integration. If you want
to adjust your alert threshold at any time, contact [support@ozow.com](mailto:support@ozow.com) or
your account manager.

## Topping up in future

You never need to repeat the setup process above. Your beneficiary details and static reference are
permanent. Whenever you want to top up your float:

1. Log in to your internet banking
2. Make a payment to the Ozow beneficiary you saved in Step 6
3. Enter the desired top-up amount
4. Your float will be updated automatically once the payment is received

## Support

If you have any questions about your float or need assistance with the top-up process, contact
[support@ozow.com](mailto:support@ozow.com) or reach out to your account manager.