💳 Overdraft Management

Monitor your micro-credit buffer, repayment schedule, and risk profile

💳 Your Overdraft Limit
$12.50
min($150, 25% × $50.00)
📈 30-Day Income
$50.00
Basis for limit calculation
📊 Risk Tier
HIGH
HIGH RISK
⚠ Limited access. Increase consistent income.
💰 Flat Fee
$0.50
Per overdraft event — zero interest
No compound interest
🔗 PayPal Sandbox Developer Integration
Connected to Live PayPal Sandbox APIs — No Simulator
PayFlow Funder Account (Business):
sb-qjdsl53206694@business.example.com
● Balances API & Payouts Source
PayFlow Borrower Account (Personal):
sb-tfjr4353268252@personal.example.com
Account ID: RTFSG6HD676ML
Active PayPal APIs:
v1/balances · v1/payouts · v2/orders · v1/transactions

🗂 My Financial Activity

Every overdraft, incoming payment, and repayment — searchable and filterable

🔍
Loading activity…
✅
Account Clear
No active overdraft. Your full limit of $12.50 is available.
🛒 Try a Checkout
📊 Risk Tier System
🟢 LOW RISK
30-day income ≥ $500 · Up to $150 limit · Instant approval
🟡 MEDIUM RISK
30-day income $150–$499 · Up to $75 limit
🔴 HIGH RISK YOU ARE HERE
30-day income < $150 · Limited access · Build history first
🛡️ Responsible Credit Policy
✅
Zero Interest
Only a flat $0.50 fee per overdraft event
🔒
Hard Cap at $150
Prevents over-borrowing and debt traps
⚡
Auto-Repayment
Cleared automatically on next incoming payment
❌
No Penalty Escalation
Missed 30 days? Line paused, not penalized
⚡ Sandbox Testing
Simulate PayPal payments to test the auto-repayment webhook flow.