Clearing Activity Report

Last updated: September 24, 2025

The Clearing Activity Report provides an overview of all transactional activities associated with your cards, including:

Presentments
Chargebacks
Representments
Pre-arbitrations
Arbitrations

Clearing is when Checkout.com receives instructions to capture funds from the card scheme, but has not yet settled the funds. Settlement is when the funds leave your sub-account and are settled with the scheme.

The report data is refreshed daily at approximately 12:30 AM and 10:30 AM UTC. It's also available through Secure File Transfer Protocol (SFTP) daily.

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 – issuing_clearing_activity_{EntityID}_{Start Date: YYYYMMDD}_{End Date:YYYYMMDD}_1.csv
Dashboard scheduled reports – {Start Date: YYYYMMDD}_{End Date:YYYYMMDD}_issuing_clearing_activity

For SFTP, the report is uploaded in the following folder structure: {Entity_name} > reports-{Entity_name} > issuing_clearing_activity

Download a sample report (CSV file).

Information

If using Safari, hold down the Option key when selecting the link to download the file.

The report includes all the following fields in this order:

Field name Description

Field name	Description
Scheme string	The card scheme used for the payment. This can be one of: `Mastercard` `Visa`
Message ID string	The transaction message's unique identifier, prefixed with `msg_`.
File ID string	The unique identifier for the card scheme's bulk file that the authorization message was extracted from. Example – `0123456789012345678801234`
Transaction ID string	The transaction's unique identifier, which links all related authorization, reversal, and clearing messages. This is prefixed with `trx_`.
Card ID string	The card's unique identifier, prefixed with `crd_`.
Cardholder ID string	The cardholder's unique identifier, prefixed with `crh_`.
Entity ID string	The entity's unique identifier, prefixed with `ent_`.
Entity Name string	The entity's name.
Client ID string	Your unique identifier as a Checkout.com client, prefixed with `cli_`.
Client Name string	Your Checkout.com client name.
Scheme Settlement Issuer Identifier string	The unique identifier assigned by the scheme to a member financial institution or processing partner. For Mastercard, this is your transfer agent ID. For Visa, this is your Business Identification Number (BID). Example – `1234567890`
Message Type string	The type of clearing message. This can be one of: `chargeback` – When you request the merchant to return funds `chargeback_reversal` – When you reverse a chargeback `pre_arbitration_or_arbitration` – When you and the merchant work to resolve a dispute before or with arbitration from the card scheme `presentment` – When the merchant first captures the payment request `presentment_reversal` – When the merchant reverses a presentment `representment` – When the merchant declines a chargeback and sends a second attempt to recover the amount `representment_reversal` – When the merchant reverses a representment
Transaction Type string	The type of transaction. This can be one of: `purchase` – A purchase of goods or services `refund` – A credit to the cardholder's account as a full or partial refund for a purchase `unique transaction` – A quasi-cash payment using, for example, gaming tokens, cryptocurrency, travelers' cheques `withdrawal` – A cash withdrawal from an ATM
Acquirer Reference Number string	The unique 23-digit identifier for the payment assigned by the acquirer. This is used to track the payment as it moves through the payment flow between the merchant’s bank and the cardholder’s bank.
Merchant ID string	The merchant's unique identifier. This may vary per acquirer.
Merchant Name string	The merchant's company name.
Merchant Category Code integer	The merchant's merchant category code (MCC) for this payment. Standard – ISO 18245 code Example – `1731` Merchants can have multiple MCCs.
Merchant City string	The city of the merchant's address.
Merchant State string	For US merchants, the state of the merchant's address. For other merchants, the value is `null`.
Merchant Country Code string	The country of the merchant's address. Standard – ISO alpha-3 country code Example – `USA`
Transaction Currency string	The acquirer's local currency or the local currency where the transaction took place. Standard – ISO 4217 code Example – `USD`
Transaction Amount decimal	The full amount of the transaction in the major currency unit. Format – Fixed-point notation to two or six decimal places Example – 500 USD is represented as `500.00` For more information on how to calculate currency units, see Format the amount value.
Billing Currency string	The currency in which you bill the cardholder. Standard – ISO 4217 code Example – `USD`
Billing Amount decimal	The amount to bill the cardholder in the major currency unit. Format – Fixed-point notation with up to eight decimal places Mastercard only For chargebacks, pre-arbitrations, and arbitrations, Mastercard does not provide the billing amount. Checkout.com therefore calculates the billing amount as follows: If the billing currency matches: The transaction currency – The billing amount equals the transaction amount. The reconciliation currency – The billing amount equals the reconciliation amount. If the billing currency does not match the transaction or reconciliation currency, the transaction amount is converted using Mastercard's daily FX mid-rate.
Reconciliation Currency string	The currency in which you settle the transaction with the card scheme. Standard – ISO 4217 code Example – `USD`
Reconciliation Amount decimal	The amount you settle the card scheme for the transaction in the major currency unit. Format – Fixed-point notation with up to eight decimal places
Reconciliation Interchange Amount decimal	The total interchange fee for the transaction in the major currency unit. Format – Fixed-point notation with: Mastercard – Two decimal places Visa – Six decimal places
Created On date-time	The date and time when the transaction was created, in UTC. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
Settled On string	The date when you expect to settle the card scheme. Format – `yyyy-mm-dd`
Reconciled On string	The date when the card scheme processed the clearing transaction. Format – `yyyy-mm-dd` When generating this report in the Dashboard, the Date from/to filter is based on this date.
Metadata string	Mastercard only A field for online travel agencies, where you can get flight booking details. If no data is available, the value is `null`. Example – `""passenger_name":"BRET/HANNAH MRS";"ticket_number":"51256069222060";"travel_agency_name":"AIR MAURITIUS""`
Card Masked PAN string	The card's masked primary account number (PAN). Example – `1234 56 ** 7890`
Card Reference string	The reference you provided when creating the card.
Card UDF 1 string	A user-defined field (UDF) you specified during setup.
Card UDF 2 string	A UDF you specified during setup.
Card UDF 3 string	A UDF you specified during setup.
Card UDF 4 string	A UDF you specified during setup.
Card UDF 5 string	A UDF you specified during setup.

Scheme

string

The card scheme used for the payment. This can be one of:

Mastercard
Visa

Message ID

string

The transaction message's unique identifier, prefixed with msg_.

File ID

string

The unique identifier for the card scheme's bulk file that the authorization message was extracted from.
Example – 0123456789012345678801234

Transaction ID

string

The transaction's unique identifier, which links all related authorization, reversal, and clearing messages. This is prefixed with trx_.

Card ID

string

The card's unique identifier, prefixed with crd_.

Cardholder ID

string

The cardholder's unique identifier, prefixed with crh_.

Entity ID

string

The entity's unique identifier, prefixed with ent_.

Entity Name

string

The entity's name.

Client ID

string

Your unique identifier as a Checkout.com client, prefixed with cli_.

Client Name

string

Your Checkout.com client name.

Scheme Settlement Issuer Identifier

string

The unique identifier assigned by the scheme to a member financial institution or processing partner.

For Mastercard, this is your transfer agent ID.
For Visa, this is your Business Identification Number (BID).

Example – 1234567890

Message Type

string

The type of clearing message. This can be one of:

chargeback – When you request the merchant to return funds
chargeback_reversal – When you reverse a chargeback
pre_arbitration_or_arbitration – When you and the merchant work to resolve a dispute before or with arbitration from the card scheme
presentment – When the merchant first captures the payment request
presentment_reversal – When the merchant reverses a presentment
representment – When the merchant declines a chargeback and sends a second attempt to recover the amount
representment_reversal – When the merchant reverses a representment

Transaction Type

string

The type of transaction. This can be one of:

purchase – A purchase of goods or services
refund – A credit to the cardholder's account as a full or partial refund for a purchase
unique transaction – A quasi-cash payment using, for example, gaming tokens, cryptocurrency, travelers' cheques
withdrawal – A cash withdrawal from an ATM

Acquirer Reference Number

string

The unique 23-digit identifier for the payment assigned by the acquirer. This is used to track the payment as it moves through the payment flow between the merchant’s bank and the cardholder’s bank.

Merchant ID

string

The merchant's unique identifier.

This may vary per acquirer.

Merchant Name

string

The merchant's company name.

Merchant Category Code

integer

The merchant's merchant category code (MCC) for this payment.
Standard – ISO 18245 code
Example – 1731

Merchants can have multiple MCCs.

Merchant City

string

The city of the merchant's address.

Merchant State

string

For US merchants, the state of the merchant's address.

For other merchants, the value is null.

Merchant Country Code

string

The country of the merchant's address.
Standard – ISO alpha-3 country code
Example – USA

Transaction Currency

string

The acquirer's local currency or the local currency where the transaction took place.
Standard – ISO 4217 code
Example – USD

Transaction Amount

decimal

The full amount of the transaction in the major currency unit.
Format – Fixed-point notation to two or six decimal places
Example – 500 USD is represented as 500.00

For more information on how to calculate currency units, see Format the amount value.

Billing Currency

string

The currency in which you bill the cardholder.
Standard – ISO 4217 code
Example – USD

Billing Amount

decimal

The amount to bill the cardholder in the major currency unit.

Format – Fixed-point notation with up to eight decimal places

Mastercard only

For chargebacks, pre-arbitrations, and arbitrations, Mastercard does not provide the billing amount. Checkout.com therefore calculates the billing amount as follows:

If the billing currency matches:

The transaction currency – The billing amount equals the transaction amount.
The reconciliation currency – The billing amount equals the reconciliation amount.

If the billing currency does not match the transaction or reconciliation currency, the transaction amount is converted using Mastercard's daily FX mid-rate.

Reconciliation Currency

string

The currency in which you settle the transaction with the card scheme.
Standard – ISO 4217 code
Example – USD

Reconciliation Amount

decimal

The amount you settle the card scheme for the transaction in the major currency unit.

Format – Fixed-point notation with up to eight decimal places

Reconciliation Interchange Amount

decimal

The total interchange fee for the transaction in the major currency unit.

Format – Fixed-point notation with:

Mastercard – Two decimal places
Visa – Six decimal places

Created On

date-time

The date and time when the transaction was created, in UTC.
Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

Settled On

string

The date when you expect to settle the card scheme.
Format – yyyy-mm-dd

Reconciled On

string

The date when the card scheme processed the clearing transaction.
Format – yyyy-mm-dd

When generating this report in the Dashboard, the Date from/to filter is based on this date.

Metadata

string

Mastercard only

A field for online travel agencies, where you can get flight booking details.
If no data is available, the value is null.
Example – ""passenger_name":"BRET/HANNAH MRS";"ticket_number":"51256069222060";"travel_agency_name":"AIR MAURITIUS""

Card Masked PAN

string

The card's masked primary account number (PAN).
Example – 1234 56** **** 7890

Card Reference

string

The reference you provided when creating the card.

Card UDF 1

string

A user-defined field (UDF) you specified during setup.

Card UDF 2

string

A UDF you specified during setup.

Card UDF 3

string

A UDF you specified during setup.

Card UDF 4

string

A UDF you specified during setup.

Card UDF 5

string

A UDF you specified during setup.

Clearing Activity Report

Report availability

Report format

Sample report

Information

Report fields