# Balances

Use this API operation to get your account balance information.

| Operation | Method | Description |
| --- | --- | --- |
| [Get spendable balance](/products/payments-direct/api-docs/payments-direct-api/reference/payments-direct-api/balances/getspendablebalance) | GET | Retrieve account balances. |


## Get spendable balance information

 - [GET /spendable_balance](https://docs.ripple.com/products/payments-direct/api-docs/payments-direct-api/generated/payments-direct-oas-with-examples/balances/getspendablebalance.md): Retrieves your spendable balance.

Note: The response contains either the funded_balance or the credit_usage object depending on your funding method.  If you're using the Funded Payments method, the response contains only the funded_balance object. If you're using the T+1 Invoicing method, the response contains only the credit_usage object.