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Understand fees

Reconcile fees debited from your platform's liable account.

Your platform incurs fees such as processing fees for all received transactions and fees for premium features.

Adyen deducts fees from settlement and debits them from your platform's liable account. To reconcile these fees, you can get the totals and the breakdown from the following reports.

Report Fees included in the report
Settlement details report Contains a breakdown of fees for settled transactions such as scheme, interchange, commission, and markup fees.
Payment accounting report Contains a breakdown of all transaction-related fees. The report shows fees for settled transactions and processing fees for all received transactions, including those that have not settled (such as processing fees for refused payments).
Your monthly invoice Contains totals for fees incurred during the month, including those charged on a monthly basis such as VISA FANF, KYC fees, and fees for some premium features.

Aside from fees, the monthly invoice also includes rebates. You can get rebates if you achieve preferable tiered pricing during any given month. The rebate is then included at the end of month as part of the invoice deduction in the Settlement details report. This may result in either a credit or a debit to your platform's liable account.

The monthly invoice takes into account the fees that were already deducted in the Payment accounting report and Settlement details report. Any outstanding debits for fees or credits outlined in the monthly invoice will be debited or credited from the settlement. These outstanding debits or credits are represented by the InvoiceDeduction type in the Settlement details report.

Reconcile total fees

To reconcile the total fees debited from your liable account, we recommend using the Settlement details report. If you want, you can also match the total fees with the Marketplace Payments accounting report.

When reconciling total fees, make sure you check:

  • That the reports are from the same reporting period.
  • The time zone of the reports.

Reports are generated at different periods and can be based on different time zones; if reconciliation fails, mismatches in reporting periods or time zones are the common causes.

To reconcile total fees:

  1. Calculate the total fees from each Settlement details report.
    • Total fees = Total of Gross Credit - Total of Gross Debit columns - XASTransfer row
      The XASTransfer row is the the net amount settled to the accounts in your platform.

  2. Get the sum of the total transactional fees, other fees, and the monthly invoice deduction (if present) from each Settlement details report.
    • Total fees = Total of Commission + Markup + Scheme Fees + Interchange columns + Fee + InvoiceDeduction rows

  3. Calculate the total of the Fee record types and the monthly invoice deduction (if present) from each Marketplace Payments accounting report.
    • Total fees = Total of Fee + InvoiceDeduction rows

The Total fees in the 3 computations should match.

Combining reports

Combining data from several reports can be helpful when tracking a transaction throughout its entire lifecycle. To facilitate the use of multiple reports, Adyen includes the references that you submit in the original transactions to help you correctly identify and match each entry.

To combine reports, you need to match the following references:

Settlement details report,
Payment accounting report
Marketplace Payments accounting report Description
Psp Reference Payment Psp Reference A unique identifier generated by Adyen for each transaction.
Merchant Reference Payment Merchant Reference The reference field that you provide to Adyen for each transaction. The API does not require that the value be unique, but we recommend that you use a unique value per transaction so you can use the field to match payments with your records.

These references are also returned in the API responses and sent in the notification webhooks.

When combining reports, make sure you check:

  • That the reports are from the same reporting period.
  • The time zone of the reports.

Reports are generated at different periods and can be based on different time zones; if reconciliation fails, mismatches in reporting periods or time zones are the common causes.

Examples

We show selected rows and columns below to illustrate how you reconcile fees debited from your platform's liable account. To get complete reports, refer to Reporting documentation.

Selected columns from Marketplace Payments accounting report

Let's take for example the 9.72 EUR fee deducted from the settlement for your platform's liable account. To reconcile these fees, start with getting the Payment PSP reference and the Payment merchant reference number.

In the sample report below, we group the transactions that have the same references by using different colors for each.

Account holder Account Payment PSP reference Payment merchant reference number Main currency Main amount Record type
LiableAccountHolderPlatform 1234567 852584129291587A REF_001 EUR 60 Credited
AccountHolder_1 7891012 852584129291587A REF_001 EUR 240 Credited
LiableAccountHolderPlatform 1234567 853781278121997C REF_002 EUR -2 Debited
AccountHolder_2 3823129 853781278121997C REF_002 EUR -48 Debited
LiableAccountHolderPlatform 1234567 852584132050336H REF_003 EUR 30 Credited
AccountHolder_2 3823129 852584132050336H REF_003 EUR 120 Credited
LiableAccountHolderPlatform 1234567 EUR -9.72 Fee
AccountHolder_1 7891012 EUR -240 Payout

Next we take the Settlement details report to match the Payment PSP reference and the Payment merchant reference number.

Selected columns from Settlement details report

In the Settlement details report, match the PSP reference and Merchant reference with the references from the Marketplace Payments accounting report. We find that the fees are associated with three settled transactions: two payments and one refund.

Merchant account PSP reference Merchant reference Type Gross currency Gross debit Gross credit Net currency Net debit Net credit Commission Markup Scheme Interchange
YourMerchantAccount 852584129291587A REF_001 Settled EUR 300 EUR 297.6 0.6 0.2 1.6
YourMerchantAccount 853781278121997C REF_002 Refunded EUR 50 EUR 54 4
YourMerchantAccount 852584132050336H REF_003 Settled EUR 150 EUR 147 3
YourMerchantAccount Fee EUR 0.32
YourMerchantAccount XASTransfer EUR 390.28

We can then break down the Fee row in the Marketplace Payments accounting report by computing the following from the Settlement details Report:

  • Settlement details Commissions + Markup + Scheme + Interchange columns + Fee row = Marketplace Payments accounting report Fee
  • 9.4 EUR + 0.32 EUR = 9.72 EUR

If you want to go further, we can take the Payment accounting report to track the remaining 0.32 EUR unreconciled fee.

Selected columns from Payment accounting report

We show selected rows and columns below to illustrate finding the processing fees. In a full report, if you filter on a reference, you will get multiple rows for different payment statuses. To get a complete report, refer to Payment accounting report.

In the Payment accounting report, we find that the processing fees associated with the settled transaction and for a refused transaction (in red).

The total processing fees incurred for all transactions is equal to 0.32EUR.

Merchant account PSP reference Merchant reference Record Type Payment Currency Received Processing Fee Currency Processing Fee
YourMerchantAccount 852584129291587A REF_001 Received EUR 500 EUR -0.08
YourMerchantAccount 853781278121997C REF_002 SentForRefund EUR 0 EUR -0.08
YourMerchantAccount 852584132050336H REF_003 Received EUR 150 EUR -0.08
YourMerchantAccount 881584131869379D REF_004 Received EUR 100 EUR -0.08
YourMerchantAccount 881584131869379D REF_004 Refused EUR -100

See also