To ensure accurate accounting of funds within your account, you can use Adyen-generated reports for your bookkeeping and reconciliation processes. You can generate those reports automatically according to a specific schedule, or manually on-demand.
Before you start generating reports and building your reconciliation flow, it is important to understand:
- The reports that you can use for reconciliation.
- The types of fees that you can track in the reports.
Report types
Adyen generates reports for your Adyen account and for your balance platform. You can use these reports to do common reconciliation processes. For complete financial reconciliation over a period of a month, you need to use a combination of Adyen account reports and balance platform reports. For other common reconciliation tasks you can use the data from just one report.
Adyen account reports
Reports for your Adyen account contain payments processing details and invoices.
| Report | What to use this report for |
|---|---|
| Payment accounting report Required for full financial reconciliation. |
Get details of payment lifecycle events, including the fees associated with each event. Understand the breakdown of payment processing costs and get retrospective cost insight. With the cost breakdown, you can allocate payment costs at account holder level which you may want to include in your full monthly reconciliation. This report does not contain balance platform transaction charges, such as those applied for payouts, funds transfers, and KYC checks. |
| Settlement details report Optional for full financial reconciliation. |
This report includes the payment funds and per-transaction costs that are available on the accounting reports, as well as the total balance adjustments originating from the Monthly invoice. This report also includes any one-off inbound wire transfer deposits to your balance platform, so that you can optionally track these amounts to your default payout account postings. |
| Monthly invoice Required for full financial reconciliation. |
Get a summary of all assessed fees and adjustments applied during the preceding month. Use as part of a full monthly reconciliation of balance platform operating costs. Get insights into the overall balance platform margin. Adjustments will pass through the settlement flow to your balance platform, and are traceable in the Settlement details report for your Adyen account and the Balance Platform Accounting Report for your balance platform. |
Platform reports
Reports for your balance platform connect events to specific account holders. Reports related to funds also provide details about events that affect account balances for each account holder.
| Report | What to use this report for |
|---|---|
| Balance Platform Accounting Report Optional for full financial reconciliation. |
Track all balance changes related to transfer lifecycle events and their success rates through their status (received, authorised, booked) Confirm the balance changes that you are informed of through webhooks for individual transactions in the same period. Track events that influenced balance changes. |
| Balance Platform Statement Report Required for full financial reconciliation. |
Get the opening and closing balances on a daily basis for all accounts that had a balance change on that day. See the events that influenced the balance change. Track transactions included in scheduled payouts and on-demand payouts. |
Fee types
Your balance platform incurs fees, such as fees for each received payment and fees for premium features. The fees vary depending on the transaction.
Adyen deducts fees from settlement, and by default debits them from your account. To fully reconcile these fees over the course of a month, you need to get totals and the breakdown from different reports.
In general, the reports contain the following kinds of fees:
- Balance Platform Accounting Report: breakdown of calculated transaction-level fees.
- Monthly invoice: totals of fees incurred during the month, including fees charged on a monthly basis, and any adjustments due.
- Settlement details report: aggregate total lines for the Processing fees detailed in the Payment accounting report, and any overall adjustment from a Monthly invoice.
The next table shows some common fees that your balance platform can incur, and the reports where you can find those fees.
| Fee | Assessment basis | Find this fee in | Description of fee |
|---|---|---|---|
| Interchange | Per transaction | Payment Accounting Report (when using Adyen as a PSP) | Payment fee assessed by issuing banks. |
| Scheme fees | Per transaction | Payment Accounting Report (when using Adyen as a PSP) | Payment fee assessed by card schemes. |
| Markup | Per transaction | Payment Accounting Report (when using Adyen as a PSP) | Adyen payment fee under Interchange ++ pricing. |
| Commission | Per transaction | Payment Accounting Report (when using Adyen as a PSP) | Adyen payment fee under blended rates. |
| FanF | Total transactions over period | Monthly invoice | The Fixed Acquirer Network Fee. This payment fee is assessed by Visa and only applies to the US. |
| Merchant Location Fee | Per store | Monthly invoice | This payment fee is assessed by Mastercard and only applies to the US. |
| Fund Transfer Service | Per instruction | Monthly invoice | Adyen balance platform fee for funds transfers. |
| Payout Service | Per instruction | Monthly invoice | Adyen balance platform fee for external funds transfers. |
| KYC Service Fee | Per sub-merchant | Monthly invoice | Adyen balance platform fee for sub-merchant KYC and verification services. |