Breakdown types

Last updated: April 2, 2025

This page sets out the different breakdown types and fee categories in reconciliation reports and invoices.

Action type	Breakdown type	Description
Adjustment	Scheme Fixed Fee	An adjustment made to your sub-accounts to correct a fee.
Adjustment	Scheme Variable Fee	An adjustment made to your sub-accounts to correct a fee.
Cover Negative Position	Cover Negative Position	An adjustment made by Checkout.com to resolve a negative balance. This could be to cover a shortfall: In the new platform, using funds received In the old platform, by transferring the negative balance to the new platform
Invoice Settlement	Invoice Settlement	An amount owed on an invoice that was paid by bank transfer.
Operational Funding Release	Operational Funding Release	A release of funds from your Operational balance back to your Available balance.
Operational Funding Reservation	Operational Funding Reservation	Funds added to your Operational balance to cover payouts and Issuing when your Available balance is insufficient.
Operational Funding Reservation	Top Up
Security Deposit Release	Security Deposit Release	A release of funds from your Collateral balance to your Available balance.
Security Deposit Reservation	Security Deposit Reservation	An adjustment made to your Available balance to move funds into your Collateral balance to cover any credit risk while processing with Checkout.com.
Tiered Pricing Adjustment	Authentication Fixed Fee	A credit or debit adjustment applied to your balances after a change in your monthly processing volume tier. The breakdown type is always the type of fee the tiering adjustment relates to. For example, gateway fixed fees.
	Authorization Fixed Fee
	Card Verification Fixed Fee
	Gateway Fixed Fee
	Premium Fixed Fee
	Premium Variable Fee
	Refund Fixed Fee
	Risk Engine Fixed Fee
	Void Fixed Fee
Top Up	Top Up	Funds added to a sub-account balance by bank transfer.
Transaction Amount Discrepancy	Transaction Amount Discrepancy	A manual adjustment made by Checkout.com to correct any transaction discrepancies, or to transfer funds from one sub-account to another.

This breakdown type is only available if you've enabled the Carried forward settlement status. It appears in your Financial Actions by Payout ID Report, Payouts Report, and Settlement Breakdown Reports.

Action type	Breakdown type	Description
Balance Carried Forward	Balance Carried Forward	The amount carried forward if the previous settlement was negative, zero, or below your payout threshold.

Action ID format – dsp_
Payment ID format – pay_

Action type	Breakdown type	Description
Chargeback	Chargeback (ADJM)	A chargeback that has been issued. Your account has been debited the disputed amount.
	Chargeback (ARBL)	You lost the arbitration case. Your account was debited an arbitration fee.
	Chargeback (ARBW)	You won the arbitration case. Your account was credited the amount you did not accept liability for.
	Chargeback (ARWS)	You avoided a formal chargeback by accepting the dispute upfront. Your account was debited the disputed amount.
	Chargeback (AUTO)	Checkout.com received the chargeback, but the bank automatically represented it for a specific reason. For example, the transaction may have already been refunded before the chargeback was received.
	Chargeback (CBRV)	A chargeback that the issuer reversed or canceled. Your account was credited the disputed amount.
	Chargeback (RPDW)	You won the dispute. Your account was credited the disputed amount.
Chargeback Breakdown	Chargeback (UPDT)	Your account was financially adjusted after a dispute was processed.

Action ID format – rtau_
Payment ID format – vau_

Action type	Breakdown type	Description
Account Updater	Account Updater Fixed Fee	A fee charged by Checkout.com for a successful card update.

Action ID format – act_
Payment ID format – pay_

Action type	Breakdown type	Description
Capture	Capture Fixed Fee	A fixed fee charged for requests to the gateway for alternative payment method (APM) transactions.
	Capture Variable Fee
	Gateway Fixed Fee	A fee charged for capturing an APM transaction.
Refund	Refund Fixed Fee	A fixed fee charged for refunding an APM transaction.
Void	Void Fixed Fee	A fee charged for requesting to void an APM transaction.
Void	Void Variable Fee	A fee charged for requesting to void an APM transaction.

Action ID format – GUID
Payment ID format – pay_

Sub-category	Action type	Breakdown type	Description
Authentication Fee	Authentication	Authentication Fixed Fee	A fee charged for checking if a payment is being made by the legitimate cardholder. This includes authentications using the Standalone (Sessions) API.
Authentication Scheme Fees		Scheme Fixed Fee	A fee charged by the card scheme for processing authentications.
Authentication Scheme Fees		Scheme Variable Fee

Action ID format – act_
Payment ID format – pay_

Sub-category	Action type	Breakdown type	Description
Pay to Bank Fees	Pay to Bank	Payout Confirmed Fixed Fee	A fee charged for every Bank Payout transaction, which is linked to an underlying Bank Payout transaction by the action ID and payment ID.
Pay to Bank Fees	Pay to Bank	Payout Returned Fixed Fee	A fee charged for every returned payout, which is linked to an underlying returned payout by the action ID.

Action ID format – act_
Payment ID format – pay_

Action type	Breakdown type	Description
Billing Fee	Minimum Billing Fee	A fee charged to a nominated sub-account, subject to any minimum billing agreements with Checkout.com.

Action ID format – act_
Payment ID format – pay_

Sub-category	Action type	Breakdown type	Description
Pay to Card Fees	Card Payout	Payout Confirmed Fixed Fee	A fee charged for requesting a Card Payout.
		Payout Success Fixed Fee	A fee charged for a successful Card Payout.
		Payout Success Variable Fee	A fee charged for a successful Card Payout.
Pay to Card Interchange Fees		Interchange Fixed Fee	A fee passed on from the cardholder's issuer for processing a Card Payout.
Pay to Card Interchange Fees		Interchange Variable Fee
Pay to Card Scheme Fees		Scheme Fixed Fee	A fee charged by card schemes for processing Card Payouts.
Pay to Card Scheme Fees		Scheme Variable Fee	A fee charged by card schemes for processing Card Payouts.

Action ID format – act_
Payment ID format – pay_

Sub-category	Action type	Breakdown type	Description
Acceleration Fees	Capture Partial Capture	Acceleration Variable Fee	A variable fee charged on the captured amount of an accelerated transaction.
Acquiring Premiums	Capture Partial Capture	Premium Fixed Fee	A fixed, variable, or fixed-and-variable flat fee charged for successful captures when processing payments with Checkout.com.
Acquiring Premiums	Capture Partial Capture	Premium Variable Fee
Card Payment Blended Fees	Capture Partial Capture	Blended Fixed Fee	A fixed, variable, or fixed-and-variable flat fee charged for successful captures.
Card Payment Blended Fees	Capture Partial Capture	Blended Variable Fee
Card Payment Gateway Fees
	Authorization Estimated Authorization Incremental Authorization	Authorization Fixed Fee	A specific fixed fee charged for authorized card payments.
	Authorization	Card Verification Fixed Fee	A specific fixed fee charged for card verifications to check if a card is valid.
	Authorization Void	Gateway Fixed Fee	A fixed fee charged for actions across the payment lifecycle. For example, authentication, authorization, void, and refund.
	Void Partial Void	Void Fixed Fee	A specific fixed fee charged for voided card payments.
Card Payment Interchange Fees	Capture Partial Capture	Interchange Fixed Fee	A fee passed on from the cardholder's issuer for processing card payments.
Card Payment Interchange Fees	Capture Partial Capture	Interchange Variable Fee
Card Payment Scheme Fees	Authorization Capture Partial Capture Void	Scheme Fixed Fee	A fee charged by the card scheme for processing card payments.
Card Payment Scheme Fees	Authorization Capture Partial Capture Void	Scheme Variable Fee

Action ID format – dsp_
Payment ID format – pay_

Sub-category	Action type	Breakdown type	Description
Chargeback Fees	Chargeback	Chargeback Fixed Fee	A fee charged for payments that are triggered on certain chargeback events.
		Disputed Return Fixed Fee	A fixed fee charged for returns that were deemed unauthorized for an APM transaction.
		Pre-dispute Accepted Fixed Fee	A fee charged by Checkout.com for receiving a pre-dispute notification.
		Pre-dispute Declined Fixed Fee
		Return Fixed Fee	A fixed fee charged for returns for an alternative payment method (APM) transaction.
		Scheme Fixed Fee	A fee charged by card schemes for processing a chargeback.
		Scheme Variable Fee	A fee charged by card schemes for processing a chargeback.
Representment Fees		Representment Fixed Fee	A fee charged for a representment during the dispute process, when the issuer reviews the evidence you provided.
Retrieval Fees		Retrieval Fixed Fee	A fee charged for a retrieval, when the cardholder’s issuer requests information from you before raising a dispute.

Sub-category	Action type	Breakdown type	Description
Merchant Payout Fees	Merchant Payout	Client Settlement Domestic Fixed Fee	A fee charged when settlements are paid out through domestic bank transfer.
		Client Settlement Domestic Variable Fee
		Client Settlement International Fixed Fee	A fee charged when settlements are paid out through international bank transfer.
		Client Settlement International Variable Fee

Action ID format – act_
Payment ID format – pay_

Sub-category	Action type	Breakdown type	Description
Risk Engine Fees	Risk Assessment	Risk Engine Fixed Fee	A fixed fee charged for transactions screened by Fraud Detection Pro.

Action type	Breakdown type	Description	Action ID & Payment ID format
Integrated Platforms Fees	Onboarding Fixed Fee	A one-off fixed fee charged by Checkout.com for creating a sub-entity.	`fee_`
	Subscription Fixed Fee	A monthly fixed fee charged by Checkout.com based on the number of your active sub-entities in that month.	`fee_`
	Platform Management Variable Fee	A fee charged by Checkout.com when you successfully make a Card or Bank Payout to a sub-entity.	`tra_`
	Transfer Fixed Fee	A one-off fixed fee charged by Checkout.com for performing a transfer.
	Transfer Variable Fee	A one-off variable fee charged by Checkout.com for performing a transfer.

Action ID format – opg_
Payment ID format – pay_

Action type	Breakdown type	Description
Optimization	Intelligent Acceptance Fixed Fee	A fixed fee charged by Checkout.com for optimizing a transaction with Intelligent Acceptance.

Action ID format – nta_
Payment ID format – nt_

Action type	Breakdown type	Description
Network Token Provisioning	Network Token Provisioning Fixed Fee	A one-time fee charged by Checkout.com per successful card tokenization with the respective card schemes.
Network Token Update	Network Token Update Fixed Fee	A fee charged by Checkout.com for receiving and processing a network token update notification from the card scheme.

Action ID format – act_
Payment ID format – pay_

Sub-category	Action type	Breakdown type	Description
Refund Gateway Fees	Refund Partial Refund	Gateway Fixed Fee	A fixed fee charged for actions across the payment lifecycle. For example, authentication, authorization, void, and refund.
Refund Gateway Fees		Refund Fixed Fee	A fixed fee charged for refunding card payments.
Refunded Interchange Fees		Interchange Fixed Fee	A fee charged by card schemes and paid out to the cardholder’s issuer. This is refunded to you if the original transaction is refunded.
Refunded Interchange Fees		Interchange Variable Fee
Refund Scheme Fees		Scheme Fixed Fee	A fee charged by card schemes for processing card payment refunds.
Refund Scheme Fees		Scheme Variable Fee

Action ID format – act_
Payment ID format – pay_

Action type	Breakdown type	Description
Capture	Capture	A payment that was captured, and is now available to you as revenue.
Clearing Failed	Clearing Failed	A payment that failed clearing from the card scheme or alternative payment method (APM). In this case, any affected financial actions are reversed. For example, a failed refund is credited back to your balance.
Partial Capture	Partial Capture	A payment that was partially captured as part of a series of multiple captures, or a single partial capture.

Sub-category	Action type	Breakdown type	Description
Pay to Bank Payouts	Pay to Bank	Payout	A Bank Payout transaction that was paid to a beneficiary of your choice.
		Payout Rejected	A payout that Checkout.com rejected. For example, due to a failed sanctions screening.
		Payout Returned	A payout that was returned by our banking partners. For example, because of incorrect beneficiary bank details.
Pay to Card Payouts	Card Payout	Card Payout	A payout made to a card.
Merchant Payouts	Merchant Payout	Payout	Funds processed by Checkout.com that are paid out to you as a settlement.
		Payout Rejected	A payout that Checkout.com rejected. For example, due to a failed sanctions screening.
		Payout Returned	A payout that was returned by our banking partners. For example, due to incorrect beneficiary bank details.

Action ID format – act_
Payment ID format – pay_

Action type	Breakdown type	Description
Refunds	Refund Partial Refund	A payment that was refunded to the cardholder.

Action type

Breakdown type

Description

Refunds

Refund

Partial Refund

A payment that was refunded to the cardholder.

Action ID format – act_
Payment ID format – pay_

Sub-category	Action type	Breakdown type	Description
Reserve Deducted	Capture	Rolling Reserve Deducted	An amount deducted from a payment capture and held by Checkout.com in reserve for an agreed period of time.
Reserve Released	Capture	Rolling Reserve Released	An amount released to you after the agreed reserve period elapses.

Note

The tax ID defaults to the fee that triggers the event. If tax ID is blank, then it refers to all fees in the section header.

Action type	Breakdown type	Description
Adjustment Capture Partial Capture Refund Partial Refund	Interchange Fixed Fee Tax	Tax applied to interchange fees
Adjustment Authentication Authorization Capture Partial Capture Void Refund Partial Refund Chargeback	Scheme Fixed Fee Tax	Tax applied to card scheme fees
	Scheme Variable Fee Tax	Tax applied to card scheme fees
Authentication	Authorization Fixed Fee Tax	Tax applied to authentication fees
Authentication	Authentication Variable Fee Tax	Tax applied to authentication fees
Authorization Estimated Authorization Incremental Authorization	Authorization Fixed Fee Tax	Tax applied to gateway-related fees
Authorization	Card Verification Fixed Fee Tax
Authorization Void Refund	Gateway Fixed Fee Tax
Refund Partial Refund	Refund Fixed Fee Tax
Void Partial Void	Void Fixed Fee Tax
Capture Partial Capture	Blended Fixed Fee Tax	Tax applied to blended-rate fees
Capture Partial Capture	Fixed Fee Tax	Tax applied to blended-rate fees
Capture Partial Capture	Premium Fixed Fee Tax	Tax applied to Checkout.com premium fees
Capture Partial Capture	Premium Variable Fee Tax	Tax applied to Checkout.com premium fees
Chargeback	Chargeback Fixed Fee Tax	Tax applied to chargeback-related fees
	Representment Fixed Fee Tax
	Retrieval Fixed Fee Tax
	Pre-dispute Accepted Fixed Fee Tax
	Pre-dispute Declined Fixed Fee Tax
Card Payout	Interchange Fixed Fee Tax	Tax applied to payout-related fees
	Interchange Variable Fee Tax
	Scheme Fixed Fee Tax
	Scheme Variable Fee Tax
	Success Fixed Fee Tax
	Success Variable Fee Tax
Pay to Bank	Payout Confirmed Fixed Fee Tax
Pay to Bank	Payout Returned Fixed Fee Tax
Account Updater	Account Updater Fixed Fee Tax	Tax applied to Account Updater fees
Billing Fees	Minimum Billing Fee Tax	Tax applied to other fees
Network Token Provisioning	Network Token Provisioning Fixed Fee Tax	Tax applied to network-token provisioning fees
Network Token Update	Network Token Update Fixed Fee Tax	Tax applied to network-token update fees
Optimization	Intelligent Acceptance Fixed Fee Tax	Tax applied to Intelligent Acceptance fees
Risk Assessment	Risk Engine Fixed Fee Tax	Tax applied to Fraud Detection Pro fees
Tiered Pricing Adjustment	Authentication Fixed Fee Tax	Tax applied to any tiered-pricing adjustments on fees subject to tax.
	Authorization Fixed Fee Tax
	Card Verification Fixed Fee Tax
	Gateway Fixed Fee Tax
	Premium Fixed Fee Tax
	Premium Variable Fee Tax
	Risk Engine Fixed Fee Tax
	Void Fixed Fee Tax

Action ID format – tra_
Payment ID format – tra_

Sub-category	Action type	Breakdown type	Description
Transfers In Transfers Out	Transfer	Promotion	The type of transfer requested.
Refund
Transfer

Sub-category

Action type

Breakdown type

Description

Transfers In

Transfers Out

Transfer

Promotion

The type of transfer requested.

Refund

Transfer

Breakdown types

Adjustments

Balance carried forward

Chargebacks

Fees

Account Updater fees

Alternative payment method fees

Authentication fees

Bank Payout fees

Billing fees

Card Payout fees

Card processing fees

Chargeback fees

Client Settlement fees

Fraud Detection fees

Integrated Platforms fees

Intelligent Acceptance fees

Network Token fees

Refund fees

Payments

Payouts

Refunds

Reserves

Taxes

Note

Transfers