Balance Report
Last updated: June 25, 2025
The Balance Report provides an overview of funds movements in and out of your entity's sub-accounts, and the opening and closing balances in a specified time frame. This enables you to identify any actions you need to take on your sub-accounts. For example, add funds to balances or transfer funds between sub-accounts.
The report also breaks down all payment-related and account-level fees charged to your sub-accounts. This represents the net revenue paid out to you in the reporting period for each entity.
This report is available per entity and structured by sub-account. For each sub-account, the report features the following types of rows:
Balances & Payouts – The sub-account's opening and closing balance, and financial activity not related to payments, such as account-level fees, adjustments, transfers, and payouts.
Breakdown – A breakdown by payment method, including the total payment amount, total payment-related fees, and tax. The number of rows depends on the number of payment methods processed in the sub-account in the reporting period.
This report is created between 3:00am and midday in the settlement time zone you've configured for the entity. You can generate it on a daily, weekly, or monthly basis.
The daily Balance Report covers any funds movements across your sub-accounts from the start of the day at midnight to end of the day at 11:59pm, based on the specified time zone.
For example, your settlement time zone is America/Los_Angeles Pacific Time (PT), and there were funds movements on August 3.
The daily report includes all transactions from August 3 at midnight to 11:5pm PT.
It is generated at midnight PT on August 4.
See instructions on how to download the report on demand or on a schedule:
The report is provided as a CSV file. The file name uses the following formats by default:
- API and SFTP –
statement_{EntityID}_{Start Date: YYYYMMDD}_{End Date:YYYYMMDD}.csv - Dashboard scheduled reports –
statement_{Entity Id}_{Start Date:YYYYMMDD}_{End Date:YYYYMMDD}.csv
For SFTP, the report is uploaded in the following folder structure: {Entity_name} > reports-{Entity_name} > balance
Download a sample Balance Report (CSV file).
Information
If you're using Safari, hold the Option key when you download.
Information
To enable any optional fields for this reports, contact your account manager or [email protected].
Sub-accounts are referred to as "currency accounts" in the report fields.
All decimal amounts are expressed in the major currency unit, with fixed-point notation with up to eight decimal places. For example, 500 USD is represented as
500.00.
The report includes the following fields in this order:
| Field name | Description |
|---|---|
Report ID string | The unique identifier for the report. |
Entity ID string | The unique identifier for the entity the financial movement was processed for. |
Entity Name string | The name of the entity. |
Currency Account ID string | The unique identifier for the sub-account where there was a funds movement. |
Currency Account Name string | The name of the sub-account. |
Holding Currency string | The currency of the sub-account. |
Report Date datetime | The date and time when the report was generated, in your settlement time zone. |
Reporting Start Date datetime | The start date and time of the reporting period, in your settlement time zone. |
Reporting End Date datetime | The end date and time of the reporting period, in your settlement time zone. |
Description string | The section of the report the row relates to: Balances & Payouts or the Breakdown section. |
Opening Available Balance decimal | The amount of the sub-account's Available balance at the start of the reporting period. |
Opening Pending Balance decimal | The amount of the sub-account's Pending balance at the start of the reporting period. |
Opening Payable Balance decimal | The amount of the sub-account's Payable balance at the start of the reporting period. |
Opening Collateral Balance decimal | The amount of the sub-account's Collateral balance at the start of the reporting period. |
Opening Operational Funding Balance decimal | The amount of the sub-account's Operational balance at the start of the reporting period. |
Payment Method string | The payment method used for the associated payments. |
Payments decimal | The total gross amount of payments processed. |
Refunds decimal | The total gross amount of full and partial refunds processed. |
Chargebacks decimal | The total gross amount of full and partial chargebacks processed. |
Pay To Cards decimal | The total amount paid for Card Payouts. |
Card Payment Interchange Fees decimal | The total Interchange fees charged by issuers for card payments. |
Card Payment Scheme Fees decimal | The total fees charged by card schemes for card payments. |
Acquiring Premiums decimal | The total Checkout.com Premium fees charged for each successful card payment capture. |
Card Payment Gateway Fees decimal | The total gateway fees charged by Checkout.com for card payments when payment actions occurred, including authorizations, verifications, and voids. |
Card Payment Blended Fees decimal | The total agreed card-payment blended fees charged by card schemes for captured payments, if applicable. |
Refunded Interchange Fees decimal | The total Interchange fees charged by issuers that were refunded to you. |
Refund Scheme Fees decimal | The total fees charged by card schemes for refunds. |
Refund Gateway Fees decimal | The total gateway fees charged by Checkout.com for refund actions. |
Chargeback Fees decimal | The total fees charged by Checkout.com for processing chargebacks as part of the disputes process. |
Retrieval Fees decimal | The total fees charged by Checkout.com for retrieval actions as part of the disputes process. |
Representment Fee decimal | The total fees charged by Checkout.com for representment actions as part of the disputes process. |
Pay To Card Interchange Fees decimal | The total Interchange fees charged by issuers for processing Card Payouts. |
Pay To Card Scheme Fees decimal | The total fees charged by card schemes for processing Card Payouts. |
Pay To Card Fees decimal | The total fees charged by Checkout.com for Card Payouts. |
Alternative Payment Method Fees decimal | The total fees charged by Checkout.com for accepting alternative payment methods (APMs). |
Adjustments decimal | The total amount of adjustments charged by Checkout.com to the sub-account. |
Tax decimal | The total local value-added tax charged on your fees, if applicable. |
Account Updater Fees decimal | The total fees charged by Checkout.com for the Real-Time Account Updater service. |
Merchant Payout Fees decimal | The total fees charged by Checkout.com for settlements. |
Pay to Bank Fees decimal | The total fees charged by Checkout.com for processing Bank Payouts, including returned Bank Payout fees. |
Pay to Bank payouts decimal | The total amount of Bank Payouts. |
Transfers In decimal | The total amount of funds transferred into the sub-account. |
Transfers Out decimal | The total amount of funds transferred out of the sub-account. |
Merchant Payouts decimal | The total amount of settlements paid out to you. |
Closing Available Balance decimal | The funds amount of the sub-account's Available balance at the end of the reporting period. |
Closing Pending Balance decimal | The funds amount of the sub-account's Pending balance at the end of the reporting period. |
Closing Payable Balance decimal | The funds amount of the sub-account's Payable balance at the end of the reporting period. |
Closing Collateral Balance decimal | The funds amount of the sub-account's Collateral balance at the end of the reporting period. |
Closing Operational Funding Balance decimal | The funds amount of the sub-account's Operational balance at the end of the reporting period. |
Integrated platforms fees decimal optional | The fees charged by Checkout.com for onboarding and managing the sub-entity. |
Reserve Deducted decimal optional | The total reserves deducted from your processing and held by Checkout.com for the agreed reserve period. |
Reserve Released decimal optional | The total reserves Checkout.com released to you after the agreed reserve period. |
Billing Fees decimal optional | The total fees charged by Checkout.com for billing agreements, such as minimum billing. |
Authentication Fees decimal | The total fees charged by Checkout.com for processing authentications. |
Authentication Scheme Fees decimal | The total fees charged by card schemes for processing authentications. |
Risk Engine Fees decimal optional | The total fees charged by Checkout.com for transactions screened by Fraud Detection Pro. |
Intelligent Acceptance Fees decimal optional | The total fees charged by Checkout.com for transactions optimized by Intelligent Acceptance. |
Network Token Fees decimal optional | The total fees charged by Checkout.com for the Network Tokens service. |
Timezone string optional | The report time zone for all timestamps and opening and closing balances. |
Vault Fees decimal optional | The total fees Checkout.com charged for storing credentials in the Vault. |
Acceleration Fees decimal optional | The total fees Checkout.com charged for Accelerated Settlements. |