Clearing Summary Report

Last updated: September 24, 2025

The Clearing Summary Report lists aggregated amounts for all transactional messages received within a specified time frame.

For each transaction, it includes:

The transaction message and transaction type – For example, presentment, representment, or chargeback
The reconciliation currency, amount, interchange fee, and date

Information

This report is for processing-only clients.

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 twice daily at approximately 12:30 AM and 10:30 AM UTC. It's also available through Secure File Transfer Protocol (SFTP) daily at 1:00 PM.

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

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

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
File ID string	The unique identifier for the card scheme's bulk file that the authorization message was extracted from. Example – `0123456789012345678801234`
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 transactional message. This can be one of: `chargeback` – When you request the merchant to return funds `fee_collection` – When the card scheme collects a fee `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 `representment` – When the merchant declines a chargeback and sends a second attempt to recover the amount
Transaction Type string	The type of transaction. This can be one of: `fee collection` – A fee paid between you, the acquirer, and the card scheme – For example, for requesting evidence from the merchant `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
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 full amount you settle with the card scheme for the transaction in the major currency unit. Format – Fixed-point notation with up to eight decimal places Example – 500 USD is represented as `500.00` For more information on how to calculate currency units, see Format the amount value.
Reconciliation Interchange Amount decimal	The total interchange fee for the transaction in the major currency unit. Format – Fixed-point notation with up to eight decimal places
Total Transactions Count integer	The total number of transactions in the date range for this report.
Settled On string	The date when you expect to settle the transaction with 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.

File ID

string

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

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 transactional message. This can be one of:

chargeback – When you request the merchant to return funds
fee_collection – When the card scheme collects a fee
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
representment – When the merchant declines a chargeback and sends a second attempt to recover the amount

Transaction Type

string

The type of transaction. This can be one of:

fee collection – A fee paid between you, the acquirer, and the card scheme – For example, for requesting evidence from the merchant
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

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 full amount you settle with the card scheme for the transaction in the major currency unit.
Format – Fixed-point notation with up to eight decimal places
Example – 500 USD is represented as 500.00

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

Reconciliation Interchange Amount

decimal

The total interchange fee for the transaction in the major currency unit.
Format – Fixed-point notation with up to eight decimal places

Total Transactions Count

integer

The total number of transactions in the date range for this report.

Settled On

string

The date when you expect to settle the transaction with 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.

Clearing Summary Report

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Report format

Sample report

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Report fields