Balance Platform Accounting Report

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.

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, platformPayment indicates a booking in relation to payment processing; internal indicates an internal transfer; and bank indicates a payout.
• Type: the type of event in a particular category. For example, in the platformPayment category, the type can be capture, refund, chargeback and more.
• 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.

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.

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 reports by contacting our Support Team.

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).

Standard columns

The following table shows the standard columns that are included in the Accounting Report, in their default order.

Additional columns

The following table reflects additional Accounting Report columns.

By default, these columns are not included in the Accounting Report. To add any of these columns to your reports, contact our Support Team.

Capture

In the following example, a purchase of EUR 99.99 is made on a balance platform linked to a Euro default balance account.

Refund

The purchase of EUR 99.99 is refunded.

Chargebacks

There is a chargeback of EUR 60.00. In this example, all chargeback-related events are booked against the liable account.

Transfers

In this example, EUR 99.99 is transferred between balance accounts.

Payouts

In this example, there is a payout of EUR 10.00.

Top-ups