Settlement Activity Report

Last updated: February 5, 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

This report is only relevant if you're a processing-only client.

The report is provided as a CSV file. By default, the file name uses the following format:

issuing_settlement_activity_{EntityID}_{Start Date: YYYYMMDD}_{End Date:YYYYMMDD}_1.csv

The report data is refreshed twice daily at around 23:50:00 UTC and 10:50:00 UTC. It's also available through Secure File Transfer Protocol (SFTP) daily at 01:00:00 UTC.

See instructions on how to download the report on demand or on a schedule:

Download a sample report (CSV file).

Information

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

Information

Decimal fields with monetary amounts are expressed in the major currency unit, with up to eight decimal places. For example, an amount of $500 is expressed as 500.00.
For more information, see Format the payment amount.

The report includes all of the following fields in this order:

Field name Description

Field name	Description
Message ID string	The unique identifier for the transaction message. Example – `msg_abcdef1ghijklmn23opq45r6st`
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 unique identifier for the transaction, which links all related authorization, reversal, and clearing messages. Example – `trx_abcdef1ghijklmn23opq45r6st`
Card ID string	The unique identifier for the card used for the transaction. Example – `crd_abcdef1ghijklmn23opq45r6st`
Cardholder ID string	The unique identifier for the cardholder. Example – `crh_abcdef1ghijklmn23opq45r6st`
Entity ID string	The unique identifier for your Checkout.com entity. Example – `ent_abcdef1ghijklmn23opq45r6st`
Entity Name string	The name of your Checkout.com entity.
Client ID string	Your unique identifier from Checkout.com. Example – `cli_abcdef1ghijklmn23opq45r6st`
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 unique identifier for the merchant. This may vary per acquirer.
Merchant Name string	The merchant's company name.
Merchant Category Code string	The merchant's four-digit category code. Merchants can have multiple category codes.
Merchant City string	The city where the merchant is located.
Merchant State string	For US merchants, the state where they are located. For merchants outside the US, this value is `null`.
Merchant Country Code string	The country where the merchant is located. Format – ISO alpha-3 country code
Transaction Currency string	The acquirer's local currency or the local currency where the transaction took place. Format – 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` More information – Format the payment amount
Billing Currency string	The currency you bill the cardholder in. Format – ISO 4217 code
Billing Amount decimal	The amount to bill the cardholder. 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 for settling the card scheme. Format – ISO 4217 code
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 Example – 500 USD is represented as `500.00` More information – Format the payment amount
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 Example – 500 USD is represented as `500.00` More information – Format the payment amount
Created On datetime	The date and time when Checkout.com processed the transaction in UTC. Format – ISO 8601 Example – `2020-01-31T10:20:30.456`
Settled On datetime	The date and time when you expect to settle the card scheme in UTC. Format – ISO 8601 Example – `2020-01-31T10:20:30.456`
Card Masked PAN string	The masked primary account number (PAN) for the card. Example – `1234 56 ** 7890`
Card Reference string	The identification reference you provided when creating the card.
Card UDF 1 string	A user-defined field you specified during setup.
Card UDF 2 string	A user-defined field you specified during setup.
Card UDF 3 string	A user-defined field you specified during setup.
Card UDF 4 string	A user-defined field you specified during setup.
Card UDF 5 string	A user-defined field you specified during setup.

Message ID

string

The unique identifier for the transaction message.
Example – msg_abcdef1ghijklmn23opq45r6st

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 unique identifier for the transaction, which links all related authorization, reversal, and clearing messages.
Example – trx_abcdef1ghijklmn23opq45r6st

Card ID

string

The unique identifier for the card used for the transaction.
Example – crd_abcdef1ghijklmn23opq45r6st

Cardholder ID

string

The unique identifier for the cardholder.
Example – crh_abcdef1ghijklmn23opq45r6st

Entity ID

string

The unique identifier for your Checkout.com entity.
Example – ent_abcdef1ghijklmn23opq45r6st

Entity Name

string

The name of your Checkout.com entity.

Client ID

string

Your unique identifier from Checkout.com.
Example – cli_abcdef1ghijklmn23opq45r6st

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 unique identifier for the merchant.

This may vary per acquirer.

Merchant Name

string

The merchant's company name.

Merchant Category Code

string

The merchant's four-digit category code.

Merchants can have multiple category codes.

Merchant City

string

The city where the merchant is located.

Merchant State

string

For US merchants, the state where they are located.

For merchants outside the US, this value is null.

Merchant Country Code

string

The country where the merchant is located.
Format – ISO alpha-3 country code

Transaction Currency

string

The acquirer's local currency or the local currency where the transaction took place.
Format – 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
More information – Format the payment amount

Billing Currency

string

The currency you bill the cardholder in.
Format – ISO 4217 code

Billing Amount

decimal

The amount to bill the cardholder.

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 for settling the card scheme.
Format – ISO 4217 code

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
Example – 500 USD is represented as 500.00
More information – Format the payment amount

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
Example – 500 USD is represented as 500.00
More information – Format the payment amount

Created On

datetime

The date and time when Checkout.com processed the transaction in UTC.
Format – ISO 8601
Example – 2020-01-31T10:20:30.456

Settled On

datetime

The date and time when you expect to settle the card scheme in UTC.
Format – ISO 8601
Example – 2020-01-31T10:20:30.456

Card Masked PAN

string

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

Card Reference

string

The identification reference you provided when creating the card.

Card UDF 1

string