Financial Actions by Payout ID Report
Last updated: September 24, 2025
The Financial Actions by Payout ID Report provides a detailed record of all financial activity associated with a specific settlement. For each payment in the settlement, it chronologically lists all lifecycle actions that impact your sub-account's Available balance. In some regions, it also lists actions that impact your Pending balance.
You can link each financial action ID to the payment using the payment ID, and to the settlement using the payout/settlement ID.
Use this report to:
- Reconcile payments and any associated fees for settlements together with the Payouts Report.
- Understand the financial impact of each action and any foreign exchange (FX) rates applied to accurately assess your cost of sale.
Note
You cannot use this report to reconcile with the Financial Actions by Date Range Report, which covers only a single day. If you use same-day settlement, adjustments to your Available balance can mean that the amount of the settlement can change up until it is paid out.
Information
For information about the financial actions in this report, see Breakdown types.
This report is created when your settlement is generated according to your settlement speed, between 2:00 AM and midnight in your entity's settlement time zone. A report is created for every settlement that is paid out, in line with your settlement frequency.
For example, your settlement time zone is America/Los_Angeles Pacific Time (PT) and your settlement frequency is daily.
You receive a USD settlement from Checkout.com on August 4 that has payout/settlement ID 00000000CFJU.
The report is generated at midnight PT on August 4, and includes all financial activity held in USD from August 3 at midnight to 11:59 PM PT.
See instructions on how to download the report on demand or on a schedule:
You can also download this report for a specific settlement in the Dashboard:
- Sign in to the Dashboard.
- Go to Settlements and select the relevant settlement.
- On the Settlement details page, for Transaction breakdown, select Download CSV.
The report is provided as a CSV file. The file name uses the following formats by default:
- API and SFTP –
financial-actions_{EntityID}_{Payout Date: YYYYMMDD}_{PayoutID}_1.csv - Dashboard scheduled reports –
financial-actions_{Your Entity-ID}_{Payout date: YYYYMMDD}_{PayoutID}_1.csv
For SFTP, the report is uploaded in the following folder structure:
{Entity_name} > reports-{Entity_name} > financial-actions > payout-id
Download as a CSV file a sample:
- Financial Actions by Payout ID Report
- Financial Actions by Payout ID Report when the
Carried forwardsettlement status is enabled
Information
If you're using Safari, hold the Option key when you download.
Information
- To enable any optional fields, contact your account manager or request support.
- Sub-accounts are referred to as "currency accounts" in the report fields.
- All decimal amounts are expressed in the major currency unit, with fixed-point notation with up to eight decimal places. For example,
500 USDis represented as500.00.
The report can include the following fields in this order:
| Field name | Description |
|---|---|
Client Entity ID string | The unique identifier for the entity the settlement was paid out to, prefixed with |
Client Entity Name string | The entity's name. |
Sub Entity ID string | The unique identifier for the sub-entity the settlement was paid out to, prefixed with |
Sub Entity Name string | The sub-entity's name. |
Processing Channel ID string | The processing channel's unique identifier, prefixed with |
Merchant Category Code string | The merchant's merchant category code. Merchants can have multiple category codes. |
Currency Account ID string | The unique identifier for the sub-account impacted by the financial action, prefixed with |
Currency Account Name string | The sub-account's name. |
Currency Account Custom ID string | Your identifier for the sub-account. |
Action Type string | The type of financial action. See Breakdown types. |
Action ID string | The financial action's unique identifier, prefixed with |
Payment ID string | The unique identifier for the payment the financial action is associated with, prefixed with |
Requested On date-time | The date and time when the gateway request was made for the financial action, in your settlement time zone. |
Processed On date-time | The date and time when the financial action was processed, in your settlement time zone. |
Processing Currency string | The currency in which the financial action was processed. |
FX Rate Applied decimal | The foreign exchange rate applied to the financial action. If the processing currency and holding currency are the same, this value is |
Holding Currency string | The currency in which the financial action is held and paid out. |
FX Trade ID string | The unique identifier for the foreign exchange trade executed for the financial action. |
Payout ID string | The unique identifier for the settlement the financial action was included in. This is the same value as the settlement ID. |
Reference string optional | Your identifier used to track the financial action. |
Payment Method string | The payment method used for the financial action. |
Card Type string | The type of card used to make the payment. This can be one of:
|
Card Category string | The category of card used to make the payment. This can be one of:
|
Issuer Country string | The country where the card was issued. |
Entity Country string | The country where the entity is registered. |
Region string | The region where the payment was made. This can be one of:
|
MID string | The merchant identifier used to segment your payments traffic with card schemes. |
Response Code string | The response code for the payment request. |
Response Description string | The description of the response code for the payment request. |
Breakdown Type string | The breakdown type of the fee or amount. |
Processing Currency Amount decimal | The amount of the financial action in the processing currency. |
Holding Currency Amount decimal | The amount of the financial action in the holding currency. |
Entity Country Tax Currency string | The currency of the country your entity resides in for tax purposes, if applicable. |
Tax FX Rate decimal | The foreign exchange rate between the holding currency and the tax currency when the financial action was processed. |
Tax Currency Amount decimal | The amount of tax applied, expressed in the tax currency. |
Transaction Currency string optional | The currency in which the transaction was processed. |
Transaction Currency Amount decimal optional | The transaction amount, expressed in the transaction currency. |
Processing to Transaction Currency FX Rate decimal optional | The foreign exchange rate between the processing currency and the transaction currency. |
Transaction to Holding Currency FX Rate decimal optional | The foreign exchange rate between the transaction currency and the holding currency. This rate is inferred from both the FX Rate and Processing to Transaction Currency FX Rate fields to account for foreign exchange rates from multiple rate ticks. |
Fee Detail string optional | The specific type of card scheme or interchange fee charged. Predictive Interchange Beta With the Predictive Interchange feature, this field enables you to confirm your reduced Level 2 or Level 3 interchange fees. This field then has a specific suffix per card scheme: Mastercard:
Visa:
|
Reserve Rate percentage optional | The percentage amount reserved from the payment. |
Reserve Deducted Date date-time optional | The date and time when the reserve was deducted from the payment. |
Reserve Release Date date-time optional | The date and time when the reserve:
Standard – ISO 8601 code |
Processing Channel Name string optional | The processing channel's name. |
Acquirer Reference Number string optional | The unique 23-digit identifier for the payment assigned by the acquirer. This is used to track the payment as it moves through the payment flow between the merchant’s bank and the cardholder’s bank. |
Account Funding Transaction string optional | A flag that the transaction debited 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 is tagged to. |
Issuing Bank string optional | The bank that issued the card used to make the payment. |
BIN string optional | The bank identification number (BIN) for the financial institution that issued the card. |
Payment Type string optional | The type of card-not-present (CNP) payment. This can be one of:
|
Requested On UTC date-time optional | The date and time when the financial action was requested, in UTC. |
Processed On UTC date-time optional | The date and time when the financial action entered your Pending balance, in UTC. Format – ISO 8601 code |
Available On date-time optional | The date and time when the financial action is expected to enter your Available balance, in your settlement time zone. |
Available On UTC date-time optional | The date and time when the financial action is expected to enter your Available balance, in UTC. |