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Verify balances

Spot-check account balance positions across your balance platform.

There can be various reasons to keep track of the account balances in your balance platform. For example, to make a on-demand payout to a user, you need to know how much cash is available on the balance account of that user.

To check the balance positions on the balance accounts of your users, you can:

View balances

To view the daily balances on the accounts in your balance platform:

  1. Get the Balance Platform Balance Report for a specific date.
  2. Filter the report to get the information you are looking for.

Balance Platform Balance Report

The following Balance Platform Balance Report example shows the opening and closing balances for two balance accounts on the 8th of June, 2022.

Balance Platform Account Holder Balance Account Opening Balance Currency Opening Balance Amount Opening Date Opening Time Closing Balance Currency Closing Balance Amount Closing Date Closing Time
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 USD 10.00 2022‑06‑08 00:00:00 CEST USD 5.00 2022‑06‑09 00:00:00 CEST
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 CAD 25.00 2022‑06‑08 00:00:00 CEST CAD 85.00 2022‑06‑09 00:00:00 CEST
YOUR_BALANCE_PLATFORM AH00000000000000000000002 BA00000000000000000000002 USD 60.00 2022‑06‑08 00:00:00 CEST USD 70.00 2022‑06‑09 00:00:00 CEST

Calculate balances

To calculate the balances on the accounts in your balance platform:

  1. Get the Balance Platform Accounting Report.
  2. Filter the report on the balance account you are interested in.
  3. Add up the amounts in the Balance (PC) column.

Balance Platform Accounting Report

The following Balance Platform Accounting Report example shows that the split amount for a payment with PSP reference F2FTV3THPB9Z2C33 to balance account BA322VL223232B5FJMDFQBC7O was received, authorised, and captured on the booking data, 2023‑01‑18. In the Balance (PC) column, the amount for the received and authorised states is zero because the funds aren't available yet. On the value date, 2023‑01‑20, the Balance (PC) column shows the split amount that has become available on the balance account.

The other rows in the example report also belong to the payment with PSP reference F2FTV3THPB9Z2C33, but they represent the split amounts that are transferred to other balance accounts.

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
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234‑5678‑9012‑3456YourPlatformUserIncBA322VL223232B5FJMDFQBC7OYourPlatformUserInc Balance Account1234‑5678‑9012‑3456_A2OV8675YMHK79ZDZ
platformPayment
receivedcapture2023‑01‑18 15:23:22CETEUR97.00EUR97.000.000.00
yourcompany/transaction/YC1234567890 [Split - Type Balance Account - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234-5678-9012-3456YourPlatformUserIncBA322VL223232B5FJMDFQBC7OYourPlatformUserInc Balance Account1234-5678-9012-3456_A2OV8675YMHK79ZDZ
platformPayment
authorisedcapture2023‑01‑18 15:23:22CETEUR97.00EUR-97.0097.000.00
yourcompany/transaction/YC1234567890 [Split - Type Balance Account - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234-5678-9012-3456YourPlatformUserIncBA322VL223232B5FJMDFQBC7OYourPlatformUserInc Balance Account1234-5678-9012-3456_A2OV8675YMHK79ZDZ20A0VZ5YMHK7G9MR
platformPayment
capturedcapture2023‑01‑18 15:23:25CET2023‑01‑20 00:00:00CETEUR97.00EUR0.00-97.0097.00
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]
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR
platformPayment
receivedcapture2023‑01‑18 15:23:22CETEUR3.00EUR3.000.000.00
Your Internal UUID_TYwNTIwMTgxNDg3IiwicCI6IjM [Split - Type Commission - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR
platformPayment
authorisedcapture2023‑01‑18 15:23:22CETEUR3.00EUR-3.003.000.00
Your Internal UUID_TYwNTIwMTgxNDg3IiwicCI6IjM [Split - Type Commission - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR20A0VZ5YMHK7G9NP
platformPayment
capturedcapture2023‑01‑18 15:23:25CET2023‑01‑20 00:00:00CETEUR3.00EUR0.00-3.003.00
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]
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
platformPayment
receivedcapture2023‑01‑18 15:23:22CETEUR-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
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
platformPayment
authorisedcapture2023‑01‑18 15:23:22CETEUR-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
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
20A0VZ5YMHK7G9OT
platformPayment
capturedcapture2023‑01‑18 15:23:25CET2023‑01‑20 00:00:00CETEUR-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

Negative balances

Accounts in your balance platform can have a negative balance as a result of refunds or chargebacks. Adyen allows negative balances for up to 30 days. At the end of the month, if an account has had a negative balance for more than 30 days, Adyen compensates by debiting the amount from your balance platform's liable account. If you'd rather have account holders cover their negative balances instead, you can provide them the option to top up their balance accounts.

When Adyen compensates a negative balance, this will be reflected in the Balance Platform Accounting Report in an entry with a description or reference of Negative Balance compensation for {AccountHolderId}. You will also receive the following transfer webhooks:

Because this is an internal transfer between balance accounts in your balance platform, the entry in the Balance Platform Accounting Report and the transfer webhooks you receive will have category internal and type internalTransfer.

Note that negative balances only occur as a result of refunds or chargebacks. An account cannot have a negative balance due to paying out or transferring a balance. You can only pay out or transfer the available balance.

See also