Settlement Breakdown Report

Last updated: September 24, 2025

The Settlement Breakdown Report shows all financial movements that relate to a specific settlement.

The Settlement Breakdown Report is created when your settlement is generated, between midnight and 2:00 AM in your entity's settlement time zone. A report is created for each settlement, in line with your specified 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 with the payout ID 00000000CFJU.
The report with the report ID 00000000CFJU on August 4 explains that settlement, including all financial movements in USD from August 3, midnight to 11:59 PM PT.
The report is available by midnight 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. By default, the file name uses the following format:

API and SFTP – settlement-breakdown_{EntityID}_{Payout Date: YYYYMMDD}_{PayoutID}_1.csv
Dashboard scheduled reports – settlement-breakdown__{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} > settlement-breakdown

Download a sample Settlement Breakdown Report (CSV file).

Information

If using Safari, hold down 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, prefixed with `ent_`.
Client Entity Name string	The name of the entity the financial movement was processed for.
Processing Channel ID string	The processing channel's unique identifier, prefixed with `pc_`.
Processing Channel Name string	The processing channel's name.
Type string	The type of financial movement processed. Example – `Partial Refund`
Payment ID string	The unique identifier for the payment the financial movement relates to, prefixed with `pay_`.
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 date-time	The date and time when the financial movement is reflected in your Pending balance, in your settlement time zone. This is not the time when you requested the payment. If the funds do not enter Pending and go directly into Available, this is the date and time when the financial movement is reflected in your Available balance. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
Available On date-time	The date and time when the financial movement is reflected in your Available balance, in your settlement time zone. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
Holding Currency string	The currency in which the financial movement was held and paid out. Standard – ISO 4217 code Example – `USD`
Payout ID string	The unique identifier for the payout the financial movement was included in. Example – `000ABC1DE23F`
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 Checkout.com processing fees charged for the financial movement, such as gateway or premium fees, in the holding currency.
Scheme Fee In Holding Currency decimal	The amount of the scheme fee 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. Standard – 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 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 used for the payment. This can be one of: `Credit` `Debit`
Card Category string optional	The category of card used for the payment. This can be one of: `Commercial` `Consumer`
Issuer Country string optional	The country where the card was issued. Standard – ISO alpha-2 country code Example – `US`
Entity Country string optional	The country where your entity is registered. Standard – ISO alpha-2 country code Example – `US`
Region string optional	The region where the payment was made. This can be one of: `Domestic` `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	Your four-digit merchant category code for this payment. Format – ISO 18245 code Example – `1731`
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 cardholder's bank and the merchant'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 bank identification number (BIN) 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 date-time optional	The date and time when the financial movement is reflected in your Pending balance, in UTC. If the funds do not enter Pending and go directly into Available, this is the date and time when the financial movement entered your Available balance. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
Available On UTC date-time optional	The date and time when the financial movement is reflected in your Available balance, in UTC. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
UDF 1 string optional	A user-defined field (UDF) you configured when setting up this report.An optional ID passed in the request.
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 a specific financial movement that affects your balances. If multiple movements relate to one payment, the Action ID corresponds to the latest movement. For example, if the payment underwent authentication, authorization, and capture, the Action ID relates to the capture.

Client Entity ID

string

The unique identifier for the entity the financial movement was processed for, prefixed with ent_.

Client Entity Name

string

The name of the entity the financial movement was processed for.

Processing Channel ID

string

The processing channel's unique identifier, prefixed with pc_.

Processing Channel Name

string

The processing channel's name.

Type

string

The type of financial movement processed.
Example – Partial Refund

Payment ID

string

The unique identifier for the payment the financial movement relates to, prefixed with pay_.

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

date-time

The date and time when the financial movement is reflected in your Pending balance, in your settlement time zone.

This is not the time when you requested the payment.

If the funds do not enter Pending and go directly into Available, this is the date and time when the financial movement is reflected in your Available balance.

Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

Available On

date-time

The date and time when the financial movement is reflected in your Available balance, in your settlement time zone.
Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

Holding Currency

string

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

Payout ID

string

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

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

Scheme Fee In Holding Currency

decimal

The amount of the scheme fee 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.
Standard – 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 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 used for the payment. This can be one of:

Credit
Debit

Card Category

string

optional

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

Commercial
Consumer

Issuer Country

string

optional

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

Entity Country

string

optional

The country where your entity is registered.
Standard – ISO alpha-2 country code
Example – US

Region

string

optional

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

Domestic
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

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

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 cardholder's bank and the merchant'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 bank identification number (BIN) 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

date-time

optional

The date and time when the financial movement is reflected in your Pending balance, in UTC.

If the funds do not enter Pending and go directly into Available, this is the date and time when the financial movement entered your Available balance.

Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

Available On UTC

date-time

optional

The date and time when the financial movement is reflected in your Available balance, in UTC.
Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

UDF 1

string

optional

A user-defined field (UDF) you configured when setting up this report.An optional ID passed in the request.

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 a specific financial movement that affects your balances.
If multiple movements relate to one payment, the Action ID corresponds to the latest movement.
For example, if the payment underwent authentication, authorization, and capture, the Action ID relates to the capture.

Settlement Breakdown Report

Report availability

Report format

Sample report

Information

Report fields