Marketpay icon

Reconcile fees

Track and reconcile fees in your platform.

Your platform incurs fees, such as fees for each payment, and fees for platform services such as payouts or KYC screening when onboarding platform users.

Adyen assesses and books fees to your platform accounts in the following ways:

  • Payment fees that are assessed on a per-transaction basis (Interchange, Scheme fees, Markup, Commission) are deducted immediately when captured payment funds are booked to balance accounts. These fees are deducted from your liable balance account, or booked to a balance account of your user based on split information that you provide at payment or capture.
  • Processing fees charged by Adyen are assessed as a total amount on a daily basis, and booked to your liable balance account.
  • All other types of fee, as well as any volume-related adjustments to the above types of fee, are assessed during invoicing on a monthly basis. The overall adjustment resulting from this monthly invoicing is booked to your liable balance account.

To support reconciliation, Adyen provides fee data in the following reports:

Reconcile total fees

In the example on this page, we follow a EUR 100 payment through its lifecycle. To show how the fee bookings in the Balance Platform Accounting Report relate back to events and fees also included in reports for your Adyen account, we track through three reports:

  • Payment accounting report
  • Settlement detail report
  • Balance Platform Accounting Report

Note that the report snippets here show only select columns and rows for illustration.

The EUR 100 payment is identified by the PSP reference F2FTV3THPB9Z2C33 and merchant reference UUID1.

Payment accounting report

In the Payment accounting report, note the following:

  • At the Booking Date and time when the EUR 100 payment reaches the SentForSettle state, the per-transaction fees are confirmed. At this moment, these fees are distributed for booking to a platform balance account along with the payment funds.

  • Throughout the day, the Processing fees accumulate as payment instructions are received. The Processing fee for this EUR 100 payment is included in the total amount for all payment instructions received on the same date. In this report snippet you can see a total of five received instructions, each with a EUR 0.10 Processing fee booked.

  • The EUR 100 payment appears again in the Payment accounting report data at a later Booking Date and time, when it reaches the Settled state. This event, along with the Payable Batch number, helps to understand the timing behind the booking of Processing fees to your platform liable balance account.

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z AA AB
1
Company Account
Merchant Account
Psp Reference
Merchant Reference
Modification Psp Reference
Modification Merchant Reference
Payment Method
Booking Date
TimeZone
Main Currency
Main Amount
Record Type
Payment Currency
Received (PC)
Authorised (PC)
Captured (PC)
Settlement Currency
Payable (SC)
Commission (SC)
Markup (SC)
Scheme Fees (SC)
Interchange (SC)
Processing Fee Currency
Processing Fee (FC)
User Name
Payable Batch
Unique Terminal ID
Store
2
Your_CompanyYour_Merchant_Account_1_EUF2FTV3THPB9Z2C33UUID1mc2023-01-18 15:22:04CETEUR100.00ReceivedEUR100.000.000.00EUR0.10ws@Company.Your_CompanyYOUR_STORE_001
3
Your_CompanyYour_Merchant_Account_1_EUF2FTV3THPB9Z2C33UUID1mc2023-01-18 15:22:05CETEUR100.00AuthorisedEUR-100.00100.000.00ws@Company.Your_CompanyYOUR_STORE_001
4
Your_CompanyYour_Merchant_Account_1_EUF2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1amc2023-01-18 15:22:24CETEUR100.00SentForSettleEUR0.00-100.00100.00EUR97.430.000.500.171.90ws@Company.Your_CompanyYOUR_STORE_001
5
...
6
Your_CompanyYour_Merchant_Account_1_EUNQB49WGGVGX3KH53UUID2mc2023-01-18 21:27:34CETEUR94.43ReceivedEUR94.430.000.00EUR0.10pos_ws_123456@Company.Your_CompanyP400Plus-123456789YOUR_STORE_002
7
Your_CompanyYour_Merchant_Account_1_EUNQB49WGGVGX3KH53UUID2mc2023-01-18 21:27:34CETEUR94.43AuthorisedPendingEUR-94.430.000.00pos_ws_123456@Company.Your_CompanyP400Plus-123456789YOUR_STORE_002
8
Your_CompanyYour_Merchant_Account_1_EUNQB49WGGVGX3KH53UUID2mc2023-01-18 21:27:35CETEUR94.43AuthorisedEUR0.0094.430.00pos_ws_123456@Company.Your_CompanyP400Plus-123456789YOUR_STORE_002
9
Your_CompanyYour_Merchant_Account_1_EUNQB49WGGVGX3KH53UUID2WVLGCHRD27XLH663<auto>mc2023-01-18 21:27:42CETEUR94.43SentForSettleEUR0.00-94.4394.43EUR93.520.000.470.160.28systemP400Plus-123456789YOUR_STORE_002
10
Your_CompanyYour_Merchant_Account_1_EUD3JQL2JXPR5BFF33UUIDvW9ZF58BQ6VWXVT33UUIDxvmc2023-01-18 23:59:59CETEUR26.70SettledEUR0.000.00-26.99EUR26.700.000.140.070.08ws@Company.Your_Company123
11
Your_CompanyYour_Merchant_Account_1_EUHMPHJJBSRSP4J4C3UUIDwPF43586M8WDMM6G3UUIDywmc2023-01-18 23:59:59CETEUR346.57SettledEUR0.000.00-356.95EUR346.570.001.780.578.03ws@Company.Your_Company123
12
Your_CompanyYour_Merchant_Account_1_EUNG6GN97ABHDCHK53UUIDxB2CSN9GNBJ4SDKH3UUIDzxmc2023-01-18 23:59:59CETEUR72.06SettledEUR0.000.00-72.60EUR72.060.000.360.030.15ws@Company.Your_Company123
13
Your_CompanyYour_Merchant_Account_1_EUDJLZDWR3FTNNXPB3UUID3amex2023-01-18 11:32:33CETEUR21.18ReceivedEUR21.180.000.00EUR0.10ws@Company.Your_CompanyYOUR_STORE_003
14
Your_CompanyYour_Merchant_Account_1_EUDJLZDWR3FTNNXPB3UUID3amex2023-01-18 11:32:34CETEUR21.18AuthorisedEUR-21.1821.180.00ws@Company.Your_CompanyYOUR_STORE_003
15
Your_CompanyYour_Merchant_Account_1_EUDJLZDWR3FTNNXPB3UUID3BSB28MQ4CZX4RMH3<auto>amex2023-01-18 11:32:38CETEUR21.18SentForSettleEUR0.00-21.1821.18EUR20.340.840.000.000.00systemYOUR_STORE_003
16
Your_CompanyYour_Merchant_Account_1_EUC3D93J5IJLS89VB3UUID4amex2023-01-18 11:33:31CETEUR0.15ReceivedEUR0.150.000.00EUR0.10ws@Company.Your_Company
17
Your_CompanyYour_Merchant_Account_1_EUC3D93J5IJLS89VB3UUID4amex2023-01-18 11:33:32CETEUR0.15AuthorisedEUR-0.150.150.00ws@Company.Your_Company
18
Your_CompanyYour_Merchant_Account_1_EUC3D93J5IJLS89VB3UUID4RJWSQMQ6CZX4RMH3<auto>amex2023-01-18 11:33:43CETEUR0.15SentForSettleEUR0.00-0.150.15EUR0.140.010.000.000.00system
19
Your_CompanyYour_Merchant_Account_1_EUKMGZNDSUHBSRC2C3UUID5visa2023-01-18 13:04:21CETEUR876.00ReceivedEUR876.000.000.00EUR0.10ws@Company.Your_Company
20
Your_CompanyYour_Merchant_Account_1_EUKMGZNDSUHBSRC2C3UUID5visa2023-01-18 13:04:21CETEUR876.00RetriedEUR0.000.000.00EUR0.000.000.000.010.00ws@Company.Your_Company
21
Your_CompanyYour_Merchant_Account_1_EUKMGZNDSUHBSRC2C3UUID5visa2023-01-18 13:04:22CETEUR876.00AuthorisedEUR-876.00876.000.00ws@Company.Your_Company
22
Your_CompanyYour_Merchant_Account_1_EUKMGZNDSUHBSRC2C3UUID5L87K6X357XS3KMH3<auto>visa2023-01-18 13:04:30CETEUR876.00SentForSettleEUR0.00-876.00876.00EUR853.220.004.382.6315.77system
23
Your_CompanyYour_Merchant_Account_1_EUG6XTQSKTZ74NTM53UUIDyGCL75MHIWVB72VG3<auto>visa2023-01-18 23:59:59CETEUR18.86SettledEUR0.000.00-19.36EUR18.860.000.100.030.37system123
24
Your_CompanyYour_Merchant_Account_1_EUMSJT6TZSLWH97F33UUIDzDRVR48VWQM2J8HH3<auto>visa2023-01-18 23:59:59CETEUR455.36SettledEUR0.000.00-468.00EUR455.360.002.344.925.38system123
25
...
26
Your_CompanyYour_Merchant_Account_1_EUF2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1amc2023-01-19 23:59:59CETEUR100.00SettledEUR0.000.00-100.00EUR97.430.000.500.171.90ws@Company.Your_Company125YOUR_STORE_001
27
...

This line item breakdown of all Processing fees in this report data is why you should use the Payment accounting report for full fee reconciliation.

Settlement detail report

Because the total daily Processing fees are booked separately from the per-transaction fees, the Settlement detail report data can help track the processing fees.

  • The EUR 100 payment also appears in this report data when it reaches the Settled state, along with the per-transaction fees. You can ignore this event in this report data because the per-transaction fees are already found in the Payment accounting report and booked through to a platform balance account at this time.
  • The total Processing fees amount of EUR 0.50 for all the payment instructions received on the same date as our example EUR 100 payment are reported as Type Fee in this report.
  • Note the delay in Creation Date due to the daily assessment of the total Processing fees, the Modification Reference, and the Batch Number in the Settlement detail report. We will see this data again in the next section when we look at how fees are presented in the Balance Platform Accounting Report.
A B C D E F G H I J K L M N O P Q R S T U V AD AE
1
Company Account
Merchant Account
Psp Reference
Merchant Reference
Payment Method
Creation Date
TimeZone
Type
Modification Reference
Gross Currency
Gross Debit (GC)
Gross Credit (GC)
Exchange Rate
Net Currency
Net Debit (NC)
Net Credit (NC)
Commission (NC)
Markup (NC)
Scheme Fees (NC)
Interchange (NC)
Modification Merchant Reference
Batch Number
Terminal ID
Store
2
Your_Company
Your_Merchant_Account_1_EU
F2FTV3THPB9Z2C33UUID1mc
2023-01-18 15:22:24
CETSettledGXH5DJ7C6WVFZP73EUR100.001EUR97.430.500.171.90UUID1a125YOUR_STORE_001
3
...
4
Your_Company
Your_Merchant_Account_1_EU
2023-01-20 01:39:42
CETFeeTransaction Fees January 18 2023EUR0.50126
5
Your_Company
Your_Merchant_Account_1_EU
2023-01-20 02:42:37
CET
BalancePlatformTransfer
BalancePlatformTransfer for Your_Merchant_Account_1_EU batch 126 TX29451284301XT, BalanceAccount
EUR0.50126
6
...

The Settlement detail report gives insight into the timing of booking Processing fees to the platform. This report also includes the overall monthly fee adjustments when they occur, which are reported as Type InvoiceDeduction in this report.

For these reasons, you can consider including Settlement detail report data for full fee reconciliation.

Balance Platform Accounting Report

In the Balance Platform Accounting Report, the columns Platform Payment Interchange, Platform Payment Scheme Fee, and Platform Payment Markup, or Platform Payment Commission show that in this example the per-transaction fees for the EUR 100 payment are directed to a dedicated platform fees BalanceAccount.

The Booking date and Value date for the fees booking is the same as for the payment funds (see Reconcile payments).

The total daily Processing fees are booked to the default liable BalanceAccount as Type fee as soon as they are assessed (daily in arrears). Note the Psp Modification Merchant Reference.

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z AB AC AD AE AW AX AY AZ BA BB BC
1
BalancePlatform
AccountHolder
Account Holder Reference
Account Holder Description
BalanceAccount
Balance Account Description
Balance Account Reference
Transfer Id
Transaction Id
Category
Status
Type
Booking Date
Booking Date TimeZone
Value Date
Value Date TimeZone
Currency
Amount
Original Currency
Original Amount
Payment Currency
Received (PC)
Reserved (PC)
Balance (PC)
Reference
Description
Psp Payment Psp Reference
Psp Payment Merchant Reference
Psp Modification Psp Reference
Psp Modification Merchant Reference
Brand Variant
Reference for Beneficiary
Platform Payment Interchange
Platform Payment Scheme Fee
Platform Payment Markup
Platform Payment Commission
Platform Payment Cost Currency
2
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234-5678-9012-3456YourPlatformUserInc
BA322VL223232B5FJMDFQBC7O
YourPlatformUserInc Balance Account1234-5678-9012-3456_A2OV8675YMHK79ZDZ
platformPayment
receivedcapture
2023-01-18 15:23:22
CETEUR97.00EUR97.000.000.00
yourcompany/transaction/YC1234567890 [Split - Type Balance Account - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
3
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234-5678-9012-3456YourPlatformUserInc
BA322VL223232B5FJMDFQBC7O
YourPlatformUserInc Balance Account1234-5678-9012-3456_A2OV8675YMHK79ZDZ
platformPayment
authorisedcapture
2023-01-18 15:23:22
CETEUR97.00EUR-97.0097.000.00
yourcompany/transaction/YC1234567890 [Split - Type Balance Account - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
4
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234-5678-9012-3456YourPlatformUserInc
BA322VL223232B5FJMDFQBC7O
YourPlatformUserInc Balance Account1234-5678-9012-3456_A2OV8675YMHK79ZDZ20A0VZ5YMHK7G9MR
platformPayment
capturedcapture
2023-01-18 15:23:25
CET
2023-01-20 00:00:00
CETEUR97.00EUR0.00-97.0097.00
yourcompany/transaction/YC1234567890 [Split - Type Balance Account - Reference]
OrderNo. YC1234567890 YourPlatformUserInc [Split - Type Balance Account - Description]F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
yourcompany/transaction/YC1234567890 [Split - Type Balance Account - Reference]
5
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR
platformPayment
receivedcapture
2023-01-18 15:23:22
CETEUR3.00EUR3.000.000.00
Your Internal UUID_TYwNTIwMTgxNDg3IiwicCI6IjM [Split - Type Commission - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
6
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR
platformPayment
authorisedcapture
2023-01-18 15:23:22
CETEUR3.00EUR-3.003.000.00
Your Internal UUID_TYwNTIwMTgxNDg3IiwicCI6IjM [Split - Type Commission - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
7
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR20A0VZ5YMHK7G9NP
platformPayment
capturedcapture
2023-01-18 15:23:25
CET
2023-01-20 00:00:00
CETEUR3.00EUR0.00-3.003.00
Your Internal UUID_TYwNTIwMTgxNDg3IiwicCI6IjM [Split - Type Commission - Reference]
YourCompany Fee (balance_account=BA322VL223232B5FJMDFQBC7O) [Split - Type Commission - Description]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
Your Internal UUID_TYwNTIwMTgxNDg3IiwicCI6IjM [Split - Type Commission - Reference]
8
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
platformPayment
receivedcapture
2023-01-18 15:23:22
CETEUR-2.57EUR-2.57EUR-2.570.000.00Your Internal/External UUID/identifier [Split - Type PaymentFee - Reference]F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture-1.90-0.17-0.500.00EUR
9
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
platformPayment
authorisedcapture
2023-01-18 15:23:22
CETEUR-2.57EUR-2.57EUR2.57-2.570.00Your Internal/External UUID/identifier [Split - Type PaymentFee - Reference]F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture-1.90-0.17-0.500.00EUR
10
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
20A0VZ5YMHK7G9OT
platformPayment
capturedcapture
2023-01-18 15:23:25
CET
2023-01-20 00:00:00
CETEUR-2.57EUR-2.57EUR0.002.57-2.57Your Internal/External UUID/identifier [Split - Type PaymentFee - Reference]98f84784-c952-3aa8-a4a1-ea1f0774e58c-bd969b55-ccb3-3785-aef0-0f9d44a2aa43F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCaptureYour Internal/External UUID/identifier [Split - Type PaymentFee - Reference]-1.90-0.17-0.500.00EUR
11
...
12
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YN1YV6Y2Ointernalreceivedfee
2023-01-20 01:39:57
CETEUR-0.50EUR-0.500.000.00L34RJPJU5PFXVT33
Transaction fees from batch 126 for account Your_Merchant_Account_1_EU
payment_pspFee
13
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YN1YV6Y2Ointernalauthorisedfee
2023-01-20 01:39:57
CETEUR-0.50EUR0.50-0.500.00L34RJPJU5PFXVT33
Transaction fees from batch 126 for account Your_Merchant_Account_1_EU
payment_pspFee
14
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YN1YV6Y2O20A0VZ5YN1YV76ZHinternalfeefee
2023-01-20 01:39:58
CET
2023-01-20 01:39:42
CETEUR-0.50EUR0.000.50-0.5014c6d265-2eb0-3ab7-93a3-cbead4e1fbca-f4cc2d4e-1547-3e03-9cb7-0f41b184bc76L34RJPJU5PFXVT33
Transaction fees from batch 126 for account Your_Merchant_Account_1_EU
payment_pspFee
15
...

See also