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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.

Value-date accounting

The Accounting report uses value-date accounting. When you reconcile your transactions, note the difference between the booking date and the value date. The booking date is when the transaction took place and the value date is the actual balance is credited or debited in your balance account. In the example report below, the transaction was received, authorized, and captured on 2022-04-28. The value date is 2022-04-30 when the balance is available.

Value dates are not always in the future. Bookings that have an immediate impact on the balance may have a value date on or before the booking date.
Balance Account Transfer Id Transaction Id Status Type Booking Date Value Date Currency Received (PC) Reserved (PC) Balance (PC)
BA00000000000000000000001 47CE0T***9 received capture 2022-04-28 10:57:00 EUR 99.99 0.00 0.00
BA00000000000000000000001 47CE0T***9 authorised capture 2022-04-28 10:57:00 EUR -99.99 99.99 0.00
BA00000000000000000000001 47CE0T***9 4***R181IN captured capture 2022-04-28 10:57:00 2022-04-30 00:00:00 EUR 0.00 -99.99 99.99

You can also use the Balance report to reconcile your balances.

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