The Balance Platform Accounting Report is a daily report that tracks all balance changes on all balance accounts in your balance platform, including liable accounts and the accounts of your users.
There is also a customizable accounting report: the Balance Platform Accounting Interactive Report. This report has the same type of data as the Balance Platform Accounting Report but lets you:
- Specify a date range so that you can get balance changes for more than one day.
- Filter the report on account holder and balance account.
You can generate both these reports in your Customer Area either automatically based on a schedule, or manually for a specific day.
The information on this page applies to both the Balance Platform Accounting Report and the Balance Platform Accounting Interactive Report.
Purpose
You can use the information from the Balance Platform Accounting Report to:
- Confirm all processed payments.
- Confirm internal transfers between balance accounts.
- Confirm payouts to your users' bank accounts.
- Track payment fees, costs, and invoice deductions.
For real-time reconciliation, we recommend that you use API responses and webhooks to track individual payment transactions, and update your ledgers accordingly. That gives you the most up-to-date status of each payment. You can then reconcile funds from all payments on a daily basis using only the Balance Platform Accounting Report.
Concepts
To help you interpret the report, the following sections explain some aspects in a bit more detail:
- Transfers and transactions.
- How payment events and other events are reflected in the report.
- Value-date accounting.
Transfers and transactions
To understand how money movements are shown in the report, you need to know about transfers and transactions:
- Transfer: an event where the credit or debit is pending and no real money movement has taken place. The payment or transfer is initiated, and then authorized or refused. Linked events share the same Transfer Id. Refunds initiate a new flow where separate received, authorised, and refunded events are created with a new Transfer Id that does not link to the original payment.
- Transactions: an event where the credit or debit is booked on the balance and real money movement has taken place. If a payment or transfer doesn't have a Transaction Id, no money movement has taken place yet. You can link a transaction to a transfer by matching the Transfer Id.
Events in the report
The following report columns help you track the lifecycle of the payments to your balance platform and of other financial events that happened:
- Category: the event category. For example,
platformPaymentindicates a booking in relation to payment processing;internalindicates an internal transfer; andbankindicates a payout. - Type: the type of event in a particular category. For example, in the
bankcategory, the type can bebankTransfer, orbankDirectDeposit. - Status: the status of the event. For example, a transfer can be
booked.
The report contains all events on the day the status update took place.
The following tables provide descriptions for category, type, and status mappings that an accounting event can have in the Balance Platform Accounting Report.
bank event category
| Type | Status | Description |
|---|---|---|
| bankTransfer | booked | The authorized amount was debited from or credited to the balance account. |
| bankTransfer | returned | A payment was returned for a bank transfer that was made in error. |
| bankDirectDebit | booked | The authorized amount was debited from or credited to the balance account. |
| bankDirectDebit | rejected | A payment was returned for a bank direct deposit that was rejected due to error. |
| bankDirectDebit | returned | A payment was returned for a bank direct deposit that was made in error. |
card event category
| Type | Status | Description |
|---|---|---|
| cardTransfer | booked | The authorized amount for a card transfer was debited from the balance account. |
internal event category
| Type | Status | Description |
|---|---|---|
| balanceRollover | balanceRollover | A balance transfer through a settlement batch process to the liable balance account in the balance platform. |
| bankTransfer | merchantPayin | A payment meant to top up or fund the reserve amount in the platform's liable account. |
| bankTransfer | merchantPayinReversed | A payment meant to top up or fund the platform's liable account goes through a chargeback. |
| bankTransfer | matchedStatement | A wire transfer from a merchant was booked to the balance account. |
| cashoutFee | booked | A fee for an instant payout was debited from the balance account that requested an instant payout. |
| cashoutFunding | booked | The funding for an instant payout was deposited into the balance account that requested an instant payout. |
| cashoutInstruction | booked | The fee for processing a bank instruction was debited from the balance account that requested an instant payout. |
| cashoutRepayment | booked | The funds received for repayment of an instant payout were received by Adyen. |
| fee | fee | A fee was credited or debited to the balance account. |
| internalDirectDebit | booked | An internal transfer amount requested through direct debit was credited or debited to the balance account. |
| internalDirectDebit | rejected | An internal transfer request through direct debit was rejected. |
| internalDirectDebit | returned | An internal transfer amount requested through direct debit was returned and credited or debited to the balance account. |
| internalTransfer | booked | The authorized amount was debited from the source balance account and credited to the target balance account. |
| invoiceDeduction | invoiceDeduction | A payment-processing invoice was credited to or deducted from the account. |
| manualCorrection | manuallyCorrected | Funds, such as discounts, were adjusted manually. |
| miscCost | miscCost | Any miscellaneous costs associated with a payment. |
| paymentCost | paymentCost | Deductions such as dispute fees, financial adjustments and arbitration costs, card payout transaction fees, or an issuer's collection of a dispute administration fee for disputes where a (pre-)arbitration case is filed, and the issuer wins. |
| reserveAdjustment | reserveAdjustment | An adjustment of funds in the reserve register. |
| leftover | leftover | An amount left over after currency conversion from a payment or refund was debited to the balance account. |
| depositCorrection | depositCorrection | Funds being withheld from or released to the account due to a change in the required security deposit (coverage of the exposure on the account) were booked. |
Value-date accounting
The 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 event (like a payment) took place, and the value date is when the actual balance is credited or debited to a 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 |
Sample
Download a sample Balance Platform Accounting Report for examples of the included data. Based on your balance platform settings, the report that you generate may contain additional data or columns that are not included in the sample report.
Report structure
The Accounting Report has standard columns that are included by default in every report, and additional columns you can add to your reports from the Customer Area.
The generated report includes the balance mutations with a Booking Date for all the accounts for your balance platform between opening (00:00 AM) and closing (00:00 AM the next day) for your selected day in Central European Time (CET).
The following table shows the standard columns that are included in the Accounting Report, in their default order.
| Initial column position | Column name | Financial service | Data type | Description |
|---|---|---|---|---|
| 1 | Balance Platform | issuing payouts platform payments |
Unicode Text | Name of your Balance Platform account. |
| 2 | Account Holder | issuing payouts platform payments |
Unicode Text | Unique identifier of the account holder that owns the balance account. |
| 3 | Balance Account | issuing payouts platform payments |
Unicode Text | The unique identifier of the balance account. Balance accounts with no transactions do not appear in the report. |
| 4 | Transfer Id | issuing payouts platform payments |
Unicode text | The unique identifier of a pending debit or credit. |
| 5 | Transaction Id | issuing payouts platform payments |
Unicode text | The unique identifier of a transaction, reflects a completed debit or credit. |
| 6 | Category | issuing payouts platform payments |
Enum | The category of the transaction. Possible values:
|
| 7 | Status | issuing payouts platform payments |
Enum | The status of the event. Example values: refunded, chargeback. |
| 8 | Type | issuing payouts platform payments |
Enum | The type of transfer or transaction. Example values: refund, chargeback. |
| 9 | Booking Date | issuing payouts platform payments |
Date field + Time field | Date of the booking. |
| Booking Date Time Zone | issuing payouts platform payments |
Alpha Text (4-character limit) |
The time zone of the location where the booking happened. | |
| 10 | Value Date | issuing payouts platform payments |
Date field + Time field | The date when the funds are available. |
| Value Date Time Zone | issuing payouts platform payments |
Alpha Text (4-character limit) |
The time zone of the location where the funds are available. | |
| 11 | Currency | issuing payouts platform payments |
Alpha Text (3-character limit) |
The three-character ISO currency code for the balance account. |
| Amount | issuing payouts platform payments |
Alpha text | The amount of the transfer or transaction. | |
| 12 | Original Currency | issuing payouts |
Alpha text (3-character limit) |
The three-character ISO currency code of the payment amount as reported by the acquirer. |
| 13 | Original Amount | issuing payouts |
Fixed point number | The payment amount in the currency defined in Original Currency. |
| 14 | Payment Currency | issuing payouts platform payments |
Alpha Text (3-character limit) |
The currency of the payment. |
| Received (PC) | issuing payouts platform payments |
Fixed point number (16-character limit) |
The amount (in Payment Currency) debited or credited on the Received accounting register. | |
| 15 | Reserved (PC) | issuing payouts platform payments |
Fixed point number (16-character limit) |
The amount (in Payment Currency) debited or credited on the Reserved accounting register. |
| 16 | Balance (PC) | issuing payouts platform payments |
Fixed point number (16-character limit) |
The amount (in Payment Currency) debited or credited on the Balance accounting register. |
| 17 | Reference | issuing payouts platform payments |
Unicode text | The unique identifier of a pending debit or credit. |
| 18 | Description | issuing payouts platform payments |
Unicode text | The unique identifier of a pending debit or credit. When the transfer is a fee, the fee type is added before the description of the original payment. Possible fee type indications:
|
| 19 | Counterparty Balance Account Id | issuing payouts platform payments |
Unicode text | The unique identifier of the destination of the transfer. |
| 20 | Psp Payment Merchant Reference | platform payments | Unicode Text (16-character limit) |
The PSP merchant reference of a payment. |
| 21 | Psp Payment Psp Reference | platform payments | Unicode Text (16-character limit) |
The PSP reference of a payment. |
| 22 | Psp Modification Psp Reference | platform payments | Unicode Text (16-character limit) |
The PSP modification reference of a payment. |
| 23 | Psp Modification Merchant Reference | platform payments | Unicode Text (16-character limit) |
The PSP modification merchant reference of a payment. |
| 24 | Payment Instrument Type | issuing payouts |
Unicode text | The type of the payment instrument used in the payment. |
| 25 | Payment Instrument Id | issuing payouts |
Unicode text | The unique identifier of the payment instrument. |
| 26 | Entrymode | issuing | Unicode text | The point-of-sale entry mode as reported by the acquirer. Possible values:
|
| 27 | Auth Code | issuing | Text field numeric | A unique authorization code generated for the payment. This code should be included when canceling or refunding a payment. |
| 28 | Shopper Interaction | issuing | Alpha text (30-character limit) |
Transaction type. Possible values:
|
| 29 | MCC | issuing | Text field numeric | The merchant category code of the merchant that initiated the payment. |
| 30 | Counterparty Name | issuing payouts |
Unicode text | The name of the merchant that initiated the payment. |
| 31 | Counterparty Address | issuing payouts |
Unicode text | The address of the merchant that initiated the payment. |
| 32 | Counterparty City | issuing payouts |
Unicode text | The city of the merchant that initiated the payment. |
| 33 | Counterparty Country | issuing payouts |
Unicode text | The ISO country code of the merchant that initiated the payment. |
| 34 | Counterparty iban | payouts | Unicode text | The IBAN of the merchant that initiated the payment. |
| 35 | Counterparty bic | payouts | Alpha text | The BIC of the bank of the merchant that initiated the payment. |
| 36 | Counterparty Account Number | payouts | Unicode Text | The account number of the merchant that initiated the payment. |
| 37 | Counterparty Postal Code | issuing payouts |
Unicode Text | The postal code of the merchant that initiated the payment. |
| 38 | Interchange Currency | issuing | Unicode Text | The currency of the interchange. |
| Interchange | issuing | Unicode Text | The amount of interchange. | |
| 39 | Beneficiary Balance Account | issuing payouts |
Unicode Text | The unique identifier of the beneficiary balance account associated with your balance platform. |
| 40 | Brand variant | issuing payouts |
Unicode text | The brand variant for the payment instrument. Examples for cards: mcdebit, visaprepaid. Example for an instant priority payout: payment_banktransfer_instantBanktransfer. |
| 41 | Reference for Beneficiary | payouts payouts |
Unicode Text | Your reference for the beneficiary. |
| 42 | Platform Payment Interchange | platform payments | Fixed point number | Fee charged by the Issuing bank. If the acquirer does not provide the transaction information at the interchange level, this field is empty. |
| 43 | Platform Payment Scheme Fee | platform payments | Fixed point number | Fee which is charged by Visa or Mastercard. If the acquirer does not provide the transaction information at the interchange level, this field is empty. |
| 44 | Platform Payment Markup | platform payments | Fixed point number | Fee charged by the acquiring bank. If the acquirer does not provide the transaction information at the interchange level, this field is empty. |
| 45 | Platform Payment Commission | platform payments | Fixed point number | Blend fee charged by the acquiring bank. If the acquirer does not provide the transaction information at the payment level, this field is empty. |
| Platform Payment Cost Currency | platform payments | Alpha text (3-character limit) |
The currency of the Platform Payment Cost fields. | |
| 46 | Account Holder Description | issuing payouts platform payments |
Unicode Text | Your description for the account holder. |
| 47 | Account Holder Reference | issuing payouts platform payments |
Unicode Text | Your reference for the account holder. |
| 48 | Balance Account Description | issuing payouts platform payments |
Unicode Text | Your description for the balance account. |
| 49 | Balance Account Reference | issuing payouts platform payments |
Unicode Text | Your reference for the balance account. |
| 50 | Reserved 1 | - | - | Reserved for future enhancements. |
| 51 | Reserved 2 | - | - | Reserved for future enhancements. |
| 52 | Reserved 3 | - | - | Reserved for future enhancements. |
| 53 | Reserved 4 | - | - | Reserved for future enhancements. |
| 54 | Reserved 5 | - | - | Reserved for future enhancements. |
| 55 | Reserved 6 | - | - | Reserved for future enhancements. |
| 56 | Reserved 7 | - | - | Reserved for future enhancements. |
| 57 | Reserved 8 | - | - | Reserved for future enhancements. |
| 58 | Reserved 9 | - | - | Reserved for future enhancements. |
| 59 | Reserved 10 | - | - | Reserved for future enhancements. |
The following table reflects additional Accounting Report columns.
By default, these columns are not included in the Accounting Report. You can add more report columns to your report from the Customer Area.
| Initial column position | Column name | Financial service | Data type | Description |
|---|---|---|---|---|
| 60 | Platform Payment Installments | platform payments | String | Where installment transactions are applicable, this field will show the installment that this line item pertains to. For example, 6/9 to indicate that this is the 6th of 9 installments. |
| 61 | Payment Instrument Reference | issuing payouts |
String | Your reference to the payment instrument. |
| 62 | Payment Instrument Description | issuing payouts |
String | The description provided for the payment instrument. |
| 63 | Issued Card Scheme Fee | issuing | Numeric | Fee charged by the issued card's network, such as Visa or Mastercard. |
| Issued Card Scheme Fee Currency | issuing | String | Currency of the Fee charged by the issued card's network. | |
| 64 | Event Id | issuing payouts |
String | Id to identify unique events on a single transfer. For example: multiple authorization adjustments or cancellations. |
| 65 | Flight Ticket Number | issuing | String | The reference number given to a flight ticket by an airline. |
| 66 | Capital Reserved Amount | Capital | String | |
| 67 | Store | payouts platform payments |
String | The PSP reference for the store. |
| 68 | Payment Method | payouts platform payments |
String | The payment method used for the transaction. For example: visa, mc, amex. |