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Cash management

Support cash management using the Balance Platform Accounting report.

You can support your cash management activities by consuming and filtering events that affect balance accounts. By analyzing the spending behavior of your card holders, you can identify trends and predict future cash flows.

Current and available balances

  • Current balance: the actual funds held in the balance account. This amount is affected by funding, captures, and refunds. It can be found in the Balance (PC) column.
  • Available balance: the available balance for the card holder to use. The available balance is the sum of the current balance, Balance (PC), and the authorized balance, Reserved (PC).

Bank and internal transfers

Bank transfers involve an external bank account and are money-in, money-out transfers. Money movement between balance accounts is referred to as an internal transfer. These internal transfers have the same structure as payments: a transfer and a transaction part. You can differentiate between bank transfers and internal transfers by looking at the following columns and corresponding values:

  • Category: the product category. For example, internal shows activity between two balance accounts and bank shows that an external IBAN is involved.
  • Type: the type of the event. For example, internalTransfer and bankTransfer identify the source and destination of the transfer.
  • Status: the status of the type. Both events follow the same flow.

Here is the flow for a bank transfer.

To reconcile an internal transfer, match the rows in the report that have the same Reference For Beneficiary. This value is set when making a POST API request for the transfer. In order to reconcile a bank transfer, use Description, Reference, or Reference For Beneficiary.

Balance Platform Account Holder Balance Account Transfer Id Transaction Id Category Status Type Booking Date Booking Date Time Zone Value Date Value Date Time Zone Currency Amount Original Currency Original Amount Payment Currency Received (PC) Reserved (PC) Balance (PC) Reference Description Counterparty Balance Account Id
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 48RTTV5VXYY7NQSR internal received internalTransfer 2022-08-16 09:32:43 CEST EUR -15.00 EUR -15.00 EUR -15.00 0.00 0.00 YOUR_UNIQUE_REFERENCE_FOR_THE_TRANSFER YOUR_DESCRIPTION_FOR_THE_TRANSFER BA00000000000000000000002
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 48RTTV5VXYY7NQSR internal authorised internalTransfer 2022-08-16 09:32:43 CEST EUR -15.00 EUR -15.00 EUR 15.00 -15.00 0.00 YOUR_UNIQUE_REFERENCE_FOR_THE_TRANSFER YOUR_DESCRIPTION_FOR_THE_TRANSFER BA00000000000000000000002
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 48RTTV5VXYY7NQSR 48RTTV5VXYY7NQTP internal booked internalTransfer 2022-08-16 09:32:43 CEST 2022-08-16 09:32:43 CEST EUR -15.00 EUR -15.00 EUR 0.00 15.00 -15.00 YOUR_UNIQUE_REFERENCE_FOR_THE_TRANSFER YOUR_DESCRIPTION_FOR_THE_TRANSFER BA00000000000000000000002
YOUR_BALANCE_PLATFORM AH00000000000000000000002 BA00000000000000000000002 ZIXVJX5VXYYB7SED internal received internalTransfer 2022-08-16 09:32:43 CEST EUR 15.00 EUR 15.00 EUR 15.00 0.00 0.00 YOUR_UNIQUE_REFERENCE_FOR_THE_TRANSFER BA00000000000000000000001
YOUR_BALANCE_PLATFORM AH00000000000000000000002 BA00000000000000000000002 ZIXVJX5VXYYB7SED internal authorised internalTransfer 2022-08-16 09:32:43 CEST EUR 15.00 EUR 15.00 EUR -15.00 15.00 0.00 YOUR_UNIQUE_REFERENCE_FOR_THE_TRANSFER BA00000000000000000000001
YOUR_BALANCE_PLATFORM AH00000000000000000000002 BA00000000000000000000002 ZIXVJX5VXYYB7SED 48RTTV5VXYY7NQTP internal booked internalTransfer 2022-08-16 09:32:43 CEST 2022-08-16 09:32:43 CEST EUR 15.00 EUR 15.00 EUR 0.00 -15.00 15.00 48RTTV5VXYY7NQTP YOUR_UNIQUE_REFERENCE_FOR_THE_TRANSFER BA00000000000000000000001