Balance Breakdown Report

Last updated: June 4, 2025

The Balance Breakdown Report shows financial movements that impact your Available balance during a selected time frame.

You can generate the Balance Breakdown Report on a daily, weekly, or monthly basis.

The report is updated between 03:00am and 12:00am in the settlement time zone you configured for your entity account.

For example, if your settlement time zone is America/Los_Angeles Pacific Time (PT) and financial movements occur on August 3, the daily report captures the movements from 00:00am to 23:59pm PT. The report is available by 12:00am PT on August 4.

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 – balance-breakdown_{EntityID}_{Start Date: YYYYMMDD}_{End Date:YYYYMMDD}_1.csv
Dashboard scheduled reports – balance-breakdown_{Your Entity-ID}_{Start Date Range:YYYYMMDD}_{End Date Range:YYYYMMDD}_1.csv

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

Download a sample Balance Breakdown Report (CSV file).

Information

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

The report can include the following fields in this order:

Field name Description

Field name	Description
Client Entity ID string	The unique identifier for the entity the financial movement was processed for. Example – `ent_abcdef1ghijklmn23opq45r6st`
Client Entity Name string	The name of the entity.
Processing Channel ID string	The unique identifier for the processing channel configuration. Example – `pc_abcdef1ghijklmn23opq45r6st`
Processing Channel Name string	The name of the processing channel configuration.
Type string	The type of financial movement processed. See Breakdown types.
Payment ID string	The unique identifier for the payment the financial movement relates to. Example – `pay_abcdef1ghijklmn23opq45r6st`
Reference string optional	Your reference for the payment as provided in the payment request. If you provide multiple references relating to one payment, Checkout.com relates the reference to the latest financial movement. For example, if you provide different references on authorization and then on capture, Checkout.com relates the reference to the capture.
Processed On datetime	The date and time when the financial movement is recorded on your balances, in UTC. This is not the time when you requested the payment. Format – ISO 8601 code Example – `2025-01-31T10:20:30.456`
Holding Currency string	The currency the financial movement was held and paid out in. Format – ISO 4217 code Example – `USD`
Payout ID string	The unique identifier for the settlement the financial movement was included in. Example – `000ABC1DE23F` This is the same as the settlement ID.
Gross In Holding Currency decimal	The amount of the financial movement, before any deductions or adjustments, in the holding currency.
Deduction In Holding Currency decimal	The total amount of any fees, taxes, or reserves deducted from the financial movement, in the holding currency.
Net In Holding Currency decimal	The amount settled for the financial movement, in the holding currency.
Processing Fee In Holding Currency decimal	The total amount of processing fees Checkout.com charged for the financial movement, such as gateway or premium fees, in the holding currency.
Scheme Fee In Holding Currency decimal	The fee the card scheme charged for processing the financial movement, in the holding currency.
Interchange In Holding Currency decimal	The amount of the Interchange fee charged for processing the financial movement, in the holding currency.
Tax In Holding Currency decimal	The amount of tax on the fees charged for the financial movement, in the holding currency.
Reserve In Holding Currency decimal	The reserve amount deducted from the capture of the financial movement, in the holding currency.
Processing Currency string	The currency the financial movement was processed in. If the Gross in Holding Currency amount is `0`, this field is empty. Format – ISO 4217 code Example – `USD`
Gross In Processing Currency decimal	If the customer was charged in a different currency than your account’s default, this field reflects the amount the customer sees. If Gross in Holding Currency is `0`, this field is empty.
FX Rate Applied decimal	The foreign exchange (FX) rate applied to gross-processed financial movements. If the processing currency and holding currency are the same, this value is `1`.
Payment Method string	The payment method used for the financial movement.
Card Type string optional	The type of card type used to make the payment. This can be one of: `Credit` `Debit`
Card Category string optional	The category of card used to make the payment. This can be one of: `Commercial` `Consumer`
Issuer Country string optional	The country where the card was issued. Format – ISO alpha-2 country code Example – `US`
Entity Country string optional	The country where the entity is registered. Format – ISO alpha-2 country code Example – `US`
Region string optional	The region where the payment was made. This can be one of: `Domestic` `EEA` `International` `Intra` `IntraEEA` `IntraEuropean_SEPA`
MID string optional	The merchant identifier used to segment your payments traffic with card schemes.
Merchant Category Code string optional	The merchant's four-digit category code for this payment. Format – ISO 18245 code Example – `1731`
Acquirer Reference Number string optional	The unique 23-digit identifier for the payment as it moves through the payment flow between your bank and the cardholder’s bank.
Account Funding Transaction string optional	A flag for transactions that debit funds from an account to fund a non-merchant account. For example, to load a prepaid card or add funds to a wallet.
Entity Segment string optional	The name of the entity segment the payment relates to.
Issuing Bank string optional	The bank that issued the card used to make the payment.
BIN string optional	The identifier for the financial institution that issued the card.
Payment Type string optional	The type of card payment used for the card-not-present (CNP) payment.
Processed On UTC datetime optional	The date and time when the financial movement was processed and recorded in your balance, in UTC. Format – ISO 8601 code Example – `2025-01-31T10:20:30.456`
Available On UTC datetime optional	The date and time when the financial movement is expected to be added or was added to your Available balance, in UTC. Format – ISO 8601 code Example – `2025-01-31T10:20:30.456`
UDF 1 string optional	A user-defined field (UDF) you configured when setting up this report.
UDF 2 string optional	A UDF you configured during setup.
UDF 3 string optional	A UDF you configured during setup.
UDF 4 string optional	A UDF you configured during setup.
UDF 5 string optional	A UDF you configured during setup.
Action ID string optional	The unique identifier for the financial movement that affects your balances. Example – `act_abcdef1ghijklmn23opq45r6st` If multiple movements relate to one payment, the action ID corresponds to the latest movement. For example, if the payment was authenticated, authorized, and then captured, the action ID relates to the capture.

Client Entity ID

string

The unique identifier for the entity the financial movement was processed for.
Example – ent_abcdef1ghijklmn23opq45r6st

Client Entity Name

string

The name of the entity.

Processing Channel ID

string

The unique identifier for the processing channel configuration.
Example – pc_abcdef1ghijklmn23opq45r6st

Processing Channel Name

string

The name of the processing channel configuration.

Type

string

The type of financial movement processed.

See Breakdown types.

Payment ID

string

The unique identifier for the payment the financial movement relates to.
Example – pay_abcdef1ghijklmn23opq45r6st

Reference

string

optional

Your reference for the payment as provided in the payment request.

If you provide multiple references relating to one payment, Checkout.com relates the reference to the latest financial movement.

For example, if you provide different references on authorization and then on capture, Checkout.com relates the reference to the capture.

Processed On

datetime

The date and time when the financial movement is recorded on your balances, in UTC.
This is not the time when you requested the payment.
Format – ISO 8601 code
Example – 2025-01-31T10:20:30.456

Holding Currency

string

The currency the financial movement was held and paid out in.
Format – ISO 4217 code
Example – USD

Payout ID

string

The unique identifier for the settlement the financial movement was included in.
Example – 000ABC1DE23F

This is the same as the settlement ID.

Gross In Holding Currency

decimal

The amount of the financial movement, before any deductions or adjustments, in the holding currency.

Deduction In Holding Currency

decimal

The total amount of any fees, taxes, or reserves deducted from the financial movement, in the holding currency.

Net In Holding Currency

decimal

The amount settled for the financial movement, in the holding currency.

Processing Fee In Holding Currency

decimal

The total amount of processing fees Checkout.com charged for the financial movement, such as gateway or premium fees, in the holding currency.

Scheme Fee In Holding Currency

decimal

The fee the card scheme charged for processing the financial movement, in the holding currency.

Interchange In Holding Currency

decimal

The amount of the Interchange fee charged for processing the financial movement, in the holding currency.

Tax In Holding Currency

decimal

The amount of tax on the fees charged for the financial movement, in the holding currency.

Reserve In Holding Currency

decimal

The reserve amount deducted from the capture of the financial movement, in the holding currency.

Processing Currency

string

The currency the financial movement was processed in.
If the Gross in Holding Currency amount is 0, this field is empty.
Format – ISO 4217 code
Example – USD

Gross In Processing Currency

decimal

If the customer was charged in a different currency than your account’s default, this field reflects the amount the customer sees.
If Gross in Holding Currency is 0, this field is empty.

FX Rate Applied

decimal

The foreign exchange (FX) rate applied to gross-processed financial movements.
If the processing currency and holding currency are the same, this value is 1.

Payment Method

string

The payment method used for the financial movement.

Card Type

string

optional

The type of card type used to make the payment. This can be one of:

Credit
Debit

Card Category

string

optional

The category of card used to make the payment. This can be one of:

Commercial
Consumer

Issuer Country

string

optional

The country where the card was issued.
Format – ISO alpha-2 country code
Example – US

Entity Country

string

optional

The country where the entity is registered.
Format – ISO alpha-2 country code
Example – US

Region

string

optional

The region where the payment was made. This can be one of:

Domestic
EEA
International
Intra
IntraEEA
IntraEuropean_SEPA

MID

string

optional

The merchant identifier used to segment your payments traffic with card schemes.

Merchant Category Code

string

optional

The merchant's four-digit category code for this payment.
Format – ISO 18245 code
Example – 1731

Acquirer Reference Number

string

optional

The unique 23-digit identifier for the payment as it moves through the payment flow between your bank and the cardholder’s bank.

Account Funding Transaction

string

optional

A flag for transactions that debit funds from an account to fund a non-merchant account.
For example, to load a prepaid card or add funds to a wallet.

Entity Segment

string

optional

The name of the entity segment the payment relates to.

Issuing Bank

string

optional

The bank that issued the card used to make the payment.

BIN

string

optional

The identifier for the financial institution that issued the card.

Payment Type

string

optional

The type of card payment used for the card-not-present (CNP) payment.

Processed On UTC

datetime

optional

The date and time when the financial movement was processed and recorded in your balance, in UTC.
Format – ISO 8601 code
Example – 2025-01-31T10:20:30.456

Available On UTC

datetime

optional

The date and time when the financial movement is expected to be added or was added to your Available balance, in UTC.
Format – ISO 8601 code
Example – 2025-01-31T10:20:30.456

UDF 1

string

optional

A user-defined field (UDF) you configured when setting up this report.

UDF 2

string

optional

A UDF you configured during setup.

UDF 3

string

optional

A UDF you configured during setup.

UDF 4

string

optional

A UDF you configured during setup.

UDF 5

string

optional

A UDF you configured during setup.

Action ID

string

optional

The unique identifier for the financial movement that affects your balances.
Example – act_abcdef1ghijklmn23opq45r6st

If multiple movements relate to one payment, the action ID corresponds to the latest movement.

For example, if the payment was authenticated, authorized, and then captured, the action ID relates to the capture.

Balance Breakdown Report

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