Balance reports

Last updated: March 1, 2023

Balance reports provide you with a view of monetary inflows and outflows across your currency accounts, as well as the opening and closing available balances over a specified period of time.

This allows you to determine any actions you need to take on your currency accounts. For example, the transfer of funds between your currency accounts or balance top-ups.

Your balance report also provides a breakdown of total payment-related fees and account-level fees applied to your currency accounts, allowing you to see the net revenue paid out to you over a specified period of time across each of your entities.

Balance reports are available by entity and structured by currency account. For each of your currency accounts, the report features the following types of rows:

Balances & Payouts: shows your currency account opening and closing balance, and financial activity not resulting from payments, such as account-level fees, adjustments, transfers and payouts.
Breakdown: subsequent rows show 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 to a currency account during the reporting period.

Balance reports come in CSV format with the file name following this template:

statement_{Entity Id}_{Start Date:YYYYMMDD}_{End Date:YYYYMMDD}.csv

These reports are made available by 12:00:00 UTC, and include any fund movements across your currency accounts that took place between 00:00:00 UTC and 23:59:59 UTC the previous day.

For example, all fund movements on August 3, 2020 (from 00:00:00 to 23:59:59 UTC) will be included in a daily balance report generated and available by August 4, 2020 at 12:00:00 UTC.

Your balance report can be made available on a daily, weekly or monthly basis.

Decimal fields with monetary amounts are expressed in their major currency unit, with up to 8 decimal places. For example, an opening balance of $500 will be expressed as 500.00

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To enable one or more additional fields for your reports, contact your Customer Success Manager.

The optional fields you choose are added to the report in the same order they appear in the table.

Field name	Description
Report ID string	The unique report Identifier.
Entity ID string	The unique ID of the entity for which the payment was processed.
Entity Name string	The name of the entity for which the financial movement was processed.
Currency Account ID string	The unique ID of the currency account where a balance change has occurred.
Currency Account Name string	The name of the currency account to which the payment action amount was charged.
Holding Currency string	Three-digit ISO currency code of the currency account. Learn more about ISO currency codes.
Report Date datetime	The date on which the report was generated expressed in ISO format in UTC (YYYY-MM-DD THH:MM:SS).
Reporting Start Date datetime	The start date of all fund movements across your currency accounts that are included in the report expressed in ISO format in UTC (YYYY-MM-DDTHH:mm:SS:sss).
Reporting End Date datetime	The end date of all fund movements across your currency accounts that are included in the report expressed in ISO format in UTC (YYYY-MM-DDTHH:mm:SS:sss).
Description string	Used to identify whether a row relates to the Balances & Payouts or the Breakdown sections of the balance report for a currency account.
Opening Available Balance decimal	Funds that had been made available to you for settlement at the start of the reporting period.
Opening Pending Balance decimal	The funds that had not yet been made available to you at the start of the reporting period.
Opening Payable Balance decimal	The funds that had been set aside for a settlement at the start of the reporting period.
Opening Collateral Balance decimal	The collateral balance held at the start of the reporting period. For example, security deposits.
Payment Method string	The payment method that was used to process the associated transactions. For example, Visa or Mastercard.
Payments decimal	The total gross value of your payments processed over the scheduled period.
Refunds decimal	The total gross value of Refunds (including partial refunds) processed in this period.
Chargebacks decimal	The total gross value of chargebacks (including partial chargebacks) processed in this period.
Pay To Cards decimal	Placeholder field for the total value paid out to cards.
Card Payment Interchange Fees decimal	The total interchange fees charged by issuing banks for card payments.
Card Payment Scheme Fees decimal	The total amount of scheme fees charged for card payments by a card scheme such as Visa or Mastercard.
Acquiring Premiums decimal	The total amount of CKO Premium fees applied in each successful Capture for Card Processing payments.
Card Payment Gateway Fees decimal	The total gateway fees charged for card payments when payment actions occur. These fees associated with authorization, verification and void actions while using Checkout.com.
Card Payment Blended Fees decimal	The total scheme related agreed on card payment blended fees applied to captured payments if applicable.
Refunded Interchange Fees decimal	The total interchange fees charged by issuing banks refunded.
Refund Scheme Fees decimal	The total scheme fees charged by a card scheme for refunds.
Refund Gateway Fees decimal	The total amount of gateway fees charged for refund actions while using Checkout.com.
Chargeback Fees decimal	The total fees charged for processing chargebacks as part of the disputes process.
Retrieval Fees decimal	The total fees charged for retrieval actions as part of the disputes process.
Representment Fee decimal	The total fees charged for representment actions as part of the disputes process.
Pay To Card Interchange Fees decimal	The total interchange fees charged by an issuing bank for processing pay to card payouts.
Pay To Card Scheme Fees decimal	The total scheme fees charged by a card scheme for processing pay to card payouts.
Pay To Card Fees decimal	The total fees charged by Checkout.com for pay to card payouts.
Alternative Payment Method Fees decimal	Placeholder field for the total fees charged for accepting local payment methods, such as Sofort or Klarna.
Adjustments decimal	Placeholder field for the total amount of adjustments applied to your currency account.
Tax decimal	The total local value-added tax applied to your fees if applicable.
Account Updater Fees decimal	The total fees charged for the Account Updater service.
Merchant Payout Fees decimal	Placeholder field for the total fees charged for payouts paid to your bank account.
Pay to Bank Fees decimal	The total fees charged for processing Bank payouts. This includes Bank payout fees as well as Bank payout returned fees.
Pay to Bank payouts decimal	The total value of funds paid out to banks.
Transfers In decimal	Placeholder field for the total value of transfers into the currency account.
Transfers Out decimal	Placeholder field for the total value of transfers out of the currency account.
Merchant Payouts decimal	The total value of funds paid to you as part of your scheduled settlements.
Closing Available Balance decimal	The cleared funds to a currency account available to you at the end of the reporting period.
Closing Pending Balance decimal	The funds yet to be cleared to a currency account at the end of the reporting period.
Closing Payable Balance decimal	The funds that have been set aside for a settlement or transfer at the end of the reporting period.
Closing Collateral Balance decimal	The collateral balance held at the end of the reporting period, such as security deposits.
Integrated platforms fees decimal optional	The fees related to the onboarding and management of your sub-entities with Checkout.com.
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 released after the agreed reserve period has elapsed.
Billing Fees decimal optional	The total fees charged for billing agreements made with Checkout.com, for example, minimum billing.
Authentication Fees decimal	The total fees charged for authenticating payments via Checkout.com’s authentication product.
Authentication Scheme Fees decimal	The total fees applied by card schemes (for example Visa, Mastercard) for authentication processing.
Risk Engine Fees decimal optional	The total fees applied for transactions screened by Fraud Detection Pro.

Download a sample balance report (CSV file).

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Balance reports

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Sample report

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