# Balance Report

The Balance Report provides an overview of funds movements in and out of your entity's sub-accounts, and the opening and closing [balances](https://www.checkout.com/docs/funds-management/manage-funds/balances.md) in a specified time frame.
This enables you to identify any actions you need to take on your sub-accounts.
For example, [add funds](https://www.checkout.com/docs/funds-management/move-funds/add-funds.md) to balances or [transfer funds](https://www.checkout.com/docs/platforms/manage-sub-entity-balances/transfer-sub-entity-funds.md) between sub-accounts.

The report also breaks down all payment-related and account-level [fees](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/breakdown-types.md#Fees) charged to your sub-accounts. This represents the net revenue paid out to you in the reporting period for each entity.

This report is available per entity and structured by sub-account. For each sub-account, the report features the following types of rows:

- Balances & Payouts – The sub-account's opening and closing balance, and financial activity not related to payments, such as account-level fees, adjustments, transfers, and payouts.

- Breakdown – A breakdown by payment method, including the total payment amount, total payment-related fees, and tax. The number of rows depends on the number of payment methods processed in the sub-account in the reporting period.

---

## Report availability

This report is created between 3:00 AM and midday in the [settlement time zone](https://www.checkout.com/docs/funds-management/receive-settlements.md#Settlement_time_zone) you've configured for the entity. You can generate it on a daily, weekly, or monthly basis.

The daily Balance Report covers any funds movements across your sub-accounts from the start of the day at midnight to end of the day at 11:59 PM, based on the specified time zone.

For example, your settlement time zone is `America/Los_Angeles` Pacific Time (PT), and there were funds movements on August 3.
The daily report includes all transactions from August 3 at midnight to 11:5 PM PT.
It is generated at midnight PT on August 4.

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

- [In the Dashboard](https://www.checkout.com/docs/business-operations/retrieve-reports.md#Generate_reports_in_the_Dashboard)
- [Using the API](https://www.checkout.com/docs/business-operations/retrieve-reports.md#Retrieve_reports_using_the_API)
- [Using Secure File Transfer Protocol](https://www.checkout.com/docs/business-operations/retrieve-reports.md#Access_reports_using_SFTP) (SFTP)
- [Using webhooks](https://www.checkout.com/docs/business-operations/retrieve-reports.md#Receive_reports_using_webhooks)

---

## Report format

The report is provided as a CSV file. The file name uses the following formats by default:

- API and SFTP – `statement_{EntityID}_{Start Date: YYYYMMDD}_{End Date:YYYYMMDD}.csv`
- Dashboard scheduled reports – `statement_{Entity Id}_{Start Date:YYYYMMDD}_{End Date:YYYYMMDD}.csv`

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

---

## Sample report

[Download a sample Balance Report](https://www.checkout.com/docs/files/Sample_Balance_Report.csv) (CSV file).

> **Information**
>
> If you're using Safari, hold the _Option_ key when you download.

---

## Report fields

> **Information**
>
> - To enable any optional fields for this report, contact your account manager or [request support](https://dashboard.checkout.com/support/new?topic=case_account_management_and_access&issue=issue_account_changes).
>
> - Sub-accounts are referred to as "currency accounts" in the report fields.
>
> - All decimal amounts are expressed in the [major currency unit](https://www.checkout.com/docs/payments/accept-payments/format-the-amount-value.md), with fixed-point notation with up to eight decimal places. For example, 500 USD is represented as `500.00`.

The report includes the following fields in this order:

| Field name | Description |
| --- | --- |
| Report ID<br><br>`string` | The report's unique identifier. <br>Format – 13-character alphanumerical string <br>Example – `151122B203832` |
| Entity ID<br><br>`string` | The unique identifier for the entity the financial movement was processed for. <br>Example – `ent_abcdef1ghijklmn23opq45r6st` |
| Entity Name<br><br>`string` | The entity's name. |
| Currency Account ID<br><br>`string` | The unique identifier for the sub-account where there was a funds movement, prefixed with `ca_`. |
| Currency Account Name<br><br>`string` | The sub-account's name. |
| Holding Currency<br><br>`string` | The sub-account's currency. <br>Standard – [ISO 4217 code](https://www.checkout.com/docs/developer-resources/codes/currency-codes.md) <br>Example – `USD` |
| Report Date<br><br>`date-time` | The date and time when the report was generated, in your settlement time zone. <br>Standard – ISO 8601 code <br>Format – `yyyy-mm-ddThh:mm:ss.sss` |
| Reporting Start Date<br><br>`date-time` | The start date and time of the reporting period, in your settlement time zone. <br>Standard – ISO 8601 code <br>Format – `yyyy-mm-ddThh:mm:ss.sss` |
| Reporting End Date<br><br>`date-time` | The end date and time of the reporting period, in your settlement time zone. <br>Standard – ISO 8601 code <br>Format – `yyyy-mm-ddThh:mm:ss.sss` |
| Description<br><br>`string` | The section of the report the row relates to: Balances & Payouts or the Breakdown section. |
| Opening Available Balance<br><br>`decimal` | The amount of the sub-account's [_Available_ balance](https://www.checkout.com/docs/funds-management/manage-funds/balances.md#Available_balance) at the start of the reporting period. |
| Opening Pending Balance<br><br>`decimal` | The amount of the sub-account's [_Pending_ balance](https://www.checkout.com/docs/funds-management/manage-funds/balances.md#Pending_balance) at the start of the reporting period. |
| Opening Payable Balance<br><br>`decimal` | The amount of the sub-account's [_Payable_ balance](https://www.checkout.com/docs/funds-management/manage-funds/balances.md#Payable_balance) at the start of the reporting period. |
| Opening Collateral Balance<br><br>`decimal` | The amount of the sub-account's [_Collateral balance_](https://www.checkout.com/docs/funds-management/manage-funds/balances.md#Collateral_balance) at the start of the reporting period. |
| Opening Operational Funding Balance<br><br>`optional`<br>`decimal` | The amount of the sub-account's [_Operational_ balance](https://www.checkout.com/docs/funds-management/manage-funds/balances.md#Operational_balance) at the start of the reporting period. |
| Payment Method<br><br>`string` | The payment method used for the associated payments. |
| Payments<br><br>`decimal` | The total gross amount of payments processed. |
| Refunds<br><br>`decimal` | The total gross amount of full and partial refunds processed. |
| Chargebacks<br><br>`decimal` | The total gross amount of full and partial chargebacks processed. |
| Pay To Cards<br><br>`decimal` | The total amount paid for [Card Payouts](https://www.checkout.com/docs/payments/request-payouts/card-payouts.md). |
| Card Payment Interchange Fees<br><br>`decimal` | The total interchange fees that issuers charge for card payments. |
| Card Payment Scheme Fees<br><br>`decimal` | The total fees that card schemes charge for card payments. |
| Acquiring Premiums<br><br>`decimal` | The total Checkout.com Premium fees charged for each successful card payment capture. |
| Card Payment Gateway Fees<br><br>`decimal` | The total gateway fees that Checkout.com charges for card payments when payment actions occurred, including authorizations, verifications, and voids. |
| Card Payment Blended Fees<br><br>`decimal` | The total agreed card-payment blended fees that card schemes charge for captured payments, if applicable. |
| Refunded Interchange Fees<br><br>`decimal` | The total interchange fees charged by issuers that were refunded to you. |
| Refund Scheme Fees<br><br>`decimal` | The total fees that card schemes charge for refunds. |
| Refund Gateway Fees<br><br>`decimal` | The total gateway fees that Checkout.com charges for refund actions. |
| Chargeback Fees<br><br>`decimal` | The total fees that Checkout.com charges for processing chargebacks as part of the disputes process. |
| Retrieval Fees<br><br>`decimal` | The total fees that Checkout.com charges for retrieval actions as part of the disputes process. |
| Representment Fee<br><br>`decimal` | The total fees that Checkout.com charges for representment actions as part of the disputes process. |
| Pay To Card Interchange Fees<br><br>`decimal` | The total interchange fees that issuers charge for processing Card Payouts. |
| Pay To Card Scheme Fees<br><br>`decimal` | The total fees that card schemes charge for processing Card Payouts. |
| Pay To Card Fees<br><br>`decimal` | The total fees that Checkout.com charges for Card Payouts. |
| Alternative Payment Method Fees<br><br>`decimal` | The total fees that Checkout.com charges for accepting alternative payment methods (APMs). |
| Adjustments<br><br>`decimal` | The total amount of adjustments that Checkout.com charges to the sub-account. |
| Tax<br><br>`decimal` | The total local value-added tax charged on your fees, if applicable. |
| Account Updater Fees<br><br>`decimal` | The total fees that Checkout.com charges for the [Real-Time Account Updater](https://www.checkout.com/docs/payments/store-and-manage-credentials/update-stored-credentials.md) service. |
| Merchant Payout Fees<br><br>`decimal` | The total fees that Checkout.com charges for [settlements](https://www.checkout.com/docs/funds-management/receive-settlements.md). |
| Pay to Bank Fees<br><br>`decimal` | The total fees that Checkout.com charges for processing [Bank Payouts](https://www.checkout.com/docs/payments/request-payouts/bank-payouts.md), including returned Bank Payout fees. |
| Pay to Bank payouts<br><br>`decimal` | The total amount of Bank Payouts. |
| Transfers In<br><br>`decimal` | The total amount of funds transferred into the sub-account. |
| Transfers Out<br><br>`decimal` | The total amount of funds transferred out of the sub-account. |
| Merchant Payouts<br><br>`decimal` | The total amount of settlements paid out to you. |
| Closing Available Balance<br><br>`decimal` | The amount of funds in the sub-account's _Available_ balance at the end of the reporting period. |
| Closing Pending Balance<br><br>`decimal` | The amount of funds in the sub-account's _Pending_ balance at the end of the reporting period. |
| Closing Payable Balance<br><br>`decimal` | The amount of funds in the sub-account's _Payable_ balance at the end of the reporting period. |
| Closing Collateral Balance<br><br>`decimal` | The amount of funds in the sub-account's _Collateral_ balance at the end of the reporting period. |
| Closing Operational Funding Balance<br><br>`optional`<br><br>`decimal` | The amount of funds in the sub-account's _Operational_ balance at the end of the reporting period. |
| Integrated platforms fees<br><br>`decimal`<br>`optional` | The fees that Checkout.com charges for onboarding and managing the sub-entity. |
| Reserve Deducted<br><br>`decimal`<br>`optional` | The total [reserves](https://www.checkout.com/docs/funds-management/manage-funds/balances/fixed-and-rolling-reserves.md) deducted from your processing and held by Checkout.com for the agreed reserve period. |
| Reserve Released<br><br>`decimal`<br>`optional` | The total reserves Checkout.com released to you after the agreed reserve period. |
| Billing Fees<br><br>`decimal`<br>`optional` | The total fees that Checkout.com charges for billing agreements, such as minimum billing. |
| Authentication Fees<br><br>`decimal` | The total fees that Checkout.com charges for processing authentications. |
| Authentication Scheme Fees<br><br>`decimal` | The total fees that card schemes charge for processing authentications. |
| Risk Engine Fees<br><br>`decimal`<br>`optional` | The total fees that Checkout.com charges for transactions screened by [Fraud Detection Pro](https://www.checkout.com/docs/business-operations/prevent-fraud.md). |
| Intelligent Acceptance Fees<br><br>`decimal`<br>`optional` | The total fees that Checkout.com charges for transactions optimized by [Intelligent Acceptance](https://www.checkout.com/docs/payments/optimize-payments/intelligent-acceptance.md). |
| Network Token Fees<br><br>`decimal`<br>`optional` | The total fees that Checkout.com charges for the [Network Tokens](https://www.checkout.com/docs/payments/store-and-manage-credentials/store-credentials/network-tokens.md) service. |
| Timezone<br><br>`string`<br>`optional` | The report time zone for all timestamps and opening and closing balances. <br><br>Example – `America/Los_Angeles` |
| Vault Fees<br><br>`decimal`<br>`optional` | The total fees Checkout.com charges for storing credentials in the [Vault](https://www.checkout.com/docs/payments/store-and-manage-credentials/store-credentials.md). |
| Acceleration Fees<br><br>`decimal`<br>`optional` | The total fees Checkout.com charges for [Accelerated Settlements](https://www.checkout.com/docs/funds-management/access-funds/acceleration.md). |
| Balance Type<br><br>`string` | The balance the funds moved into. This can be one of:<br><br>- `Available`<br>- `Pending` |
| Transitioning Balance<br><br>`decimal` | The funds that moved from _Pending_ to _Available_ within the reporting period.<br><br>To reconcile with the _Closing Pending Balance_, deduct the _Transitioning Balance_ from the _Opening Pending Balance_.<br><br>To reconcile with the _Closing Available Balance_, add the _Transitioning Balance_ to the _Opening Available Balance_. |