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Breakdown types

Last updated: September 14, 2022

Learn all about the different breakdown types found in our reconciliation reports.


General

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Payments

Capture

Capture

A payment that has been captured, becoming revenue available to you.

Partial capture

Partial capture

A payment that has been partially captured as part of a series of multiple captures or a single partial capture.

Clearing failed

Clearing failed

A payment that has failed clearing from schemes and APMs. If this happens, any affected financial actions are reversed. For example, a failed refund will be credited back to your balance.

Refunds

Refund

Refund

A payment that has been refunded to the cardholder.


Chargebacks

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Chargebacks

Chargeback

Chargeback (ADJM)

The chargeback has been issued. You account has been debited the disputed amount.

Chargeback (CBRV)

The chargeback was reversed/canceled by the issuing bank. Your account has been credited the disputed amount.

Chargeback (RPDW)

You have won the dispute. Your account has been credited the disputed amount.

Chargeback (ABRW)

You have won the arbitration case. Your account has been credited with the amount you did not accept liability for.

Chargeback (ABRL)

You have lost the arbitration case. Your account has been debited an arbitration fee.

Chargeback (ARWS)

You avoided a formal chargeback by accepting the dispute upfront. Your account has been debited the disputed amount.

Chargeback (AUTO)

The chargeback was received, but the bank automatically represented it for a specific reason. For example, the transaction may have already been refunded before the chargeback was received.


Payouts and adjustments

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Pay to Bank payouts

Pay to Bank

Payout

A Bank payout transaction that is paid to a beneficiary of your choice.

Payout rejected

A payout which has been rejected by Checkout. For example, due to a failed sanctions screening.

Payout returned

A payout which has been returned by our banking partners. For example, because of incorrect beneficiary bank details.

Merchant payouts

Merchant payout

Payout

Funds processed by Checkout that are settled to you.

Payout rejected

A payout which has been rejected by Checkout. For example, due to a failed sanctions screening.

Payout returned

A payout which has been returned by our banking partners. For example, due to incorrect beneficiary bank details.

Pay to Card Payouts

Card Payout

Card Payout

A payout transaction made to a card.

Adjustment

Adjustment

Fee

An adjustment made to your currency accounts for any fee corrections that may need to take place.

Top-up

A top-up to a currency account that has been made by bank transfer.

Invoice settlement

An amount that has been paid by bank transfer for amounts owed on an invoice.

Balance

An adjustment made directly to a currency account to reflect an amount that needs to be credited or deducted.

Tax

An adjustment made to your currency account for any tax corrections that may need to take place.

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 us.

Security deposit release

The release of funds from your collateral balance to your available balance.

Client revenue

An adjustment made to a currency account to correct any errors to client settlement amounts.


Transfers

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Transfers in

Transfers out

Transfer

Promotion

The type of transfer being requested.

Refund

Balance transfer


Fees

Card fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Card payment interchange fees

Capture

Partial capture

Interchange fixed fee

A fee passed from the cardholder's issuing bank for the processing of card payments.

Card payment scheme fees

Authentication

Authorization

Capture

Partial capture

Void

Scheme fixed fees

Fees applied by the card scheme (for example Visa) for the processing of card payments.

Scheme variable fees

Card payment gateway fees

Authorization

Estimated authorization

Incremental authorization

Authorization fixed fee

A specific fixed fee applied for authorized card payments.

Void

Partial void

Void fixed fee

A specific fixed fee applied for voided card payments.

Authentication

Authorization

Void

Gateway fixed fee

A fixed fee incurred on actions (i.e., authentication, authorization, void, refund) across the payment lifecycle.

Authorization

Card verification fixed fee

A specific fixed fee applied for card verifications to determine whether a card is valid.

Card payment blended fees

Capture

Partial capture

Blended fixed fee

A fixed, variable, or fixed and variable flat fee applied to successful captures.

Blended variable fee

Acquiring premiums

Capture

Partial capture

Premium fixed fee

A fixed, variable, or fixed and variable flat fee applied to successful captures when processing payments with Checkout.

Premium variable fee

Alternative payment method fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Alternative payment method fees

Capture

Gateway fixed fee

A fixed fee incurred when a request to the Gateway is made for an alternative payment method transaction.

Capture fixed fee

A fee applied for the capture of an alternative payment method transaction.

Capture variable fee

Refund

Refund fixed fee

A fixed fee applied for refunds made for an alternative payment method.

Void

Void fixed fee

A fee applied when a request to void an alternative payment method transaction is made.

Void variable fee

Refund fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Refunded interchange fees

Refund

Interchange fixed fee

Fees set by card schemes (for example Visa) and paid out to the cardholder’s issuing bank, refunded to you for processed refunds.

Refund scheme fees

Scheme fixed fee

Fees applied by card schemes for the processing of refunded card payments.

Scheme variable fee

Refund Gateway fees

Refund fixed fees

A specific fixed fee applied for refunded card payments.

Gateway fixed fees

A fixed fee incurred on actions (i.e., authentication, authorization, void, refund) across the payment lifecycle.

Chargeback fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Chargeback fees

Chargeback

Chargeback fee

A fee incurred for payments that are triggered on certain chargeback events.

Scheme fixed fee

Fees applied by card schemes (for example Visa or Mastercard) for processing a chargeback.

Scheme variable fee

Return fixed fee

A fixed fee applied to returns for an alternative payment method.

Disputed return fixed fee

A fixed fee applied to returns that were deemed unauthorized for an alternative payment method.

Predispute fee

A fee incurred for receiving a predispute notification.

Representment fees

Representment fee

A fee incurred during the disputes process. Representment occurs when an issuer will review the evidence provided by you.

Retrieval fees

Retrieval fee

A fee incurred before the disputes process. Retrieval occurs when the cardholder’s issuer requests information from you before raising a dispute.

Authentication fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Card Payment Gateway fees

From January 30th 2023, these will be classed as Authentication fees

Authentication

Authentication fixed fee

Fees charged for determining whether a payment is being carried out by the legitimate cardholder. This includes authentications via the Checkout Sessions service.

Authentication variable fee

Card Payment Scheme fees

From January 30th 2023, these will be classed as Authentication Scheme fees

Scheme fixed fee

Fees applied by the card scheme (for example Visa) for the processing of authentications.

Scheme variable fee

Fraud Detection fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Card Payment Gateway fees

From January 30th 2023, these will be classed as Risk Engine fees

Risk Assessment

Risk Engine fixed fee

A fixed fee applied for transactions screened by Fraud Detection Pro.

Bank payout fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Pay to Bank fees

Pay to Bank

Payout confirmed fixed fee

A fee charged for every Bank payout transaction, which will be linked to an underlying Bank payout transaction via the action ID and payment ID.

Payout returned fixed fee

A fee charged for every returned payout, which will be linked to an underlying returned payout via an action ID.

Card Payout fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Pay to Card fees

Card Payout

Confirmed fixed fee

A fee charged for all Card Payouts transaction requests.

Success fixed fee

A fee charged on a successful Card Payouts transaction.

Success variable fee

Pay to Card scheme fees

Scheme fixed fee

A fee applied by card schemes (for example Visa) for the processing of Card Payouts.

Scheme variable fee

Pay to Card interchange fees

Interchange fixed fee

A fee passed from the cardholder's issuing bank for the processing of Card Payouts.

Interchange variable fee

Integrated Platforms fees

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Integrated Platforms fees

Integrated Platforms fees

Onboarding fee

A one-off fixed fee applied when a sub-entity is created.

Subscription fee

A fixed fee charged monthly. This is based on the number of active sub-entities for that month.

Balance transfer fee

A one-off fee when a transfer is performed.

Tax

Reporting fee categoryAction typeBreakdown typeBreakdown type description

Tax

Capture

Partial capture

Refund

Interchange fixed fee tax

Tax applied to interchange fees.

Authentication

Authorization

Capture

Partial capture

Void

Refund

Chargeback

Scheme fixed fee tax

Tax applied to scheme fees.

Scheme variable fee tax

Authentication

Authentication fixed fee tax

Tax applied to gateway association fees.

Authentication variable fee tax

Authorization

Estimated authorization

Incremental authorization

Authorization fixed fee tax

Void

Partial void

Void fixed fee tax

Authentication

Authorization

Void

Refund

Gateway fixed fee tax

Authorization

Card verification fixed fee tax

Refund

Refund fixed fee tax

Capture

Partial capture

Blended fixed fee tax

Tax applied to blended rate fees.

Fixed fee tax

Capture

Partial capture

Premium fixed fee tax

Tax applied to Checkout.com premium fees.

Premium variable fee tax

Chargeback

Chargeback fee tax

Tax applied to chargeback related fees.

Representment fee tax

Retrieval fee tax

Pay to Bank

Payout confirmed fixed fee tax

Tax applied to payout related fees.

Payout returned fixed fee tax