Settlement Activity Report

Last updated: September 3, 2025

The Settlement Activity Report lists all transactional messages generated during a selected period. It provides information about:

Identifiers for all parties involved in each transaction
Transactional data and billing amounts
Card, merchant, and reconciliation details
User-defined columns that you specified when creating your cards, and additional metadata

The report data is refreshed twice daily at around 11:50 PM UTC and 10:50 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. By default, the file name uses the following formats:

API and SFTP – issuing_settlement_activity_{EntityID}_{Start Date: YYYYMMDD}_{End Date:YYYYMMDD}_1.csv
Dashboard scheduled reports – {Start Date: YYYYMMDD}_{End Date:YYYYMMDD}_issuing_settlement_activity

For SFTP, the report is uploaded in the following folder structure: {Entity_name} > reports-{Entity_name} > issuing_settlement_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 of the following fields in this order:

Field name Description

Field name	Description
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 transaction 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 name of your Checkout.com entity.
Client ID string	Your unique identifier as a Checkout.com client, prefixed with `cli_`.
Client Name string	Your Checkout.com client name.
Transfer Agent ID string	Your Interbank Card Association (ICA) number from Mastercard for settlement. Example – `12345`
Message Type string	The type of transaction 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 disputed payment 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 `withdrawal` – A cash withdrawal from an ATM `unique transaction` – A quasi-cash payment using, for example, gaming tokens, cryptocurrency, travelers' cheques
Acquirer Reference Number string	The unique 23-digit identifier for the transaction as it moves through the payment flow between you and the acquirer.
Merchant ID string	The merchant's unique identifier. This may vary per acquirer.
Merchant Name string	The merchant's company name.
Merchant Category Code string	The four-digit merchant category code (MCC) for the transaction. Merchants can have multiple category codes.
Merchant City string	The city of the merchant's address.
Merchant State string	For US merchants, the state of the merchant's address. For merchants outside the US, this 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
Transaction Amount decimal	The full amount 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.
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. Format – Fixed-point notation with up to eight decimal places For chargebacks, pre-arbitrations, and arbitrations, Mastercard does not provide the billing amount. In these cases, Checkout.com 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 card scheme. Standard – ISO 4217 code Example – `USD`
Reconciliation Amount decimal	The amount to settle with the card scheme 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 up to eight decimal places
Created On date-time	The date and time when Checkout.com processed the transaction, 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, in UTC. Format – yyyy-mm-dd
Metadata String	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":"MOHUN/ZUHAYR MR";"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.

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 transaction 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 name of your Checkout.com entity.

Client ID

string

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

Client Name

string

Your Checkout.com client name.

Transfer Agent ID

string

Your Interbank Card Association (ICA) number from Mastercard for settlement.
Example – 12345

Message Type

string

The type of transaction 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 disputed payment 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
withdrawal – A cash withdrawal from an ATM
unique transaction – A quasi-cash payment using, for example, gaming tokens, cryptocurrency, travelers' cheques

Acquirer Reference Number

string

The unique 23-digit identifier for the transaction as it moves through the payment flow between you and the acquirer.

Merchant ID

string

The merchant's unique identifier.

This may vary per acquirer.

Merchant Name

string

The merchant's company name.

Merchant Category Code

string

The four-digit merchant category code (MCC) for the transaction.

Merchants can have multiple category codes.

Merchant City

string

The city of the merchant's address.

Merchant State

string

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

For merchants outside the US, this 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

Transaction Amount

decimal

The full amount 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.

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

For chargebacks, pre-arbitrations, and arbitrations, Mastercard does not provide the billing amount.

In these cases, Checkout.com 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 card scheme.
Standard – ISO 4217 code
Example – USD

Reconciliation Amount

decimal

The amount to settle with the card scheme 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 up to eight decimal places

Created On

date-time

The date and time when Checkout.com processed the transaction, 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, in UTC.
Format – yyyy-mm-dd

Metadata

String

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":"MOHUN/ZUHAYR MR";"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.

Settlement Activity Report

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Report format

Sample report

Information

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