Some marketplaces use Balanced mainly for next-day ACH.
If you're also performing card processing with Balanced, you will always carry an escrow from the card transactions. If you're only using Balanced to pay customers, they you have to fund the yourself. This means the escrow can run out, which will cause transactions to fail.
Balanced should add the ability to specify, in the dashboard, a minimum amount to maintain in escrow. If the escrow drops below that amount, Balanced will auto-debit to ensure there's no service interruption.
Billy will take care of this, opened an issue here: balanced/billy#1
This would be amazing.