Balance Confirmation Report
Last updated: October 28, 2026
The Balance Confirmation Report is a formal statement of the funds Checkout.com holds on your behalf at a specific point in time. For a single calendar day, it confirms the closing balance of every currency your entity holds, split by balance type.
Use the report to:
- Confirm your held balances with Checkout.com on a chosen date, for example, at month-end or year-end close.
- Give your auditors third-party evidence of the funds your payment service provider holds for you.
- Check your own ledger against Checkout.com's records for a single cut-off date.
The report is a PDF addressed to your legal entity and shows closing balances only. To see the movements that produced a balance, such as payments, refunds, fees, adjustments, transfers, and payouts, see your Balance Report.
You can generate the report on demand in the Dashboard. The report is not available through the API, Secure File Transfer Protocol (SFTP), or webhooks.
When you generate the report, you select a date and a time zone. The report takes the closing position of each of your currency accounts at 11:59:59 PM UTC on that date, combines the accounts by holding currency, and displays one row per currency.
The cut-off is always 11:59:59 PM UTC, regardless of the time zone you select. The time zone only changes how the report displays the cut-off time.
The report is an end-of-day snapshot of what you held at that moment. It does not include an opening balance, funds movements, or a date range.
For example, if you generate the report for September 30, it shows the balances your entity held at 11:59:59 PM UTC on September 30. The report header displays the date and time of the snapshot, converted to the time zone you selected.
Note
All amounts in your report are expressed in the major currency unit, rounded to two decimal points. For example, a balance of 33.33333 USD appears as 33.33 USD on your report.
The report is provided as a PDF file. By default, the file name uses the following format:
{YYYY-MM-DD}BalanceConfirmationReport-{EntityName}.pdf
Download a sample Balance Confirmation Report (PDF file).
Information
If using Safari, hold down the Option key when selecting the link to download the file.
The report header contains the following:
- Your legal business details:
- Entity name
- Entity ID, prefixed with
ent_ - Address
- Checkout.com entity name and address
- Date the report was generated
The Account balances section outlines your closing balances at 11:59:59 PM UTC on the date you selected. It displays one row per holding currency, with the following columns:
| Column | Description |
|---|---|
| Currency | The holding currency, as a three-letter ISO 4217 code. If you have multiple currency accounts in the same currency, their balances are combined into a single row. |
| Available | The Available balance, which contains funds that are ready for settlement or available to use. |
| Pending | The Pending balance, which contains incoming funds for payments that are yet to clear, minus any fees. Refunds and chargebacks are debited from your Available balance instead. |
| Payable | The Payable balance, which contains funds reserved from the Available balance for outgoing payments. |
| Operational | The Operational balance, which holds funds as a backup to cover refunds, Bank and Card Payouts, and Issuing payments when your Available balance is insufficient. |
| Collateral | The Collateral balance, which holds funds that Checkout.com reserves to cover potential liabilities and unplanned risk events associated with your payment processing. For example, fraud, chargebacks, refunds, or business closure. This balance includes your fixed reserve and rolling reserve. |
| Total balance | The combined total of the Available, Pending, Payable, Operational, and Collateral balances. |
For example, the following table shows how the Account balances section displays an entity's balances in three currencies:
| Currency | Available | Pending | Payable | Operational | Collateral | Total balance |
|---|---|---|---|---|---|---|
| DKK | 10,076.05 | 0.00 | 0.00 | 0.00 | 0.00 | 10,076.05 |
| EUR | 40,574.01 | 0.00 | 2.00 | 0.00 | 0.00 | 40,576.01 |
| GBP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
The report footer contains Checkout.com's support contact details and regulatory information for the Checkout.com entity that issued the report.