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Balance Platform Accounting Report

Get an overview of all financial activities on your balance platform.

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 Balance Platform 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.

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

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.

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 BalancePlatform 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.

# Column 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.
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:
  • platformPayment
  • internal
  • bank
  • issuedCard
7 Status issuing
payouts
platform payments
Enum The status of the event. Example values: authorised, 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.
10 Value Date issuing
payouts
platform payments
Date field + Time field The date when the funds are available.
11 Value Date Time Zone issuing
payouts
platform payments
Alpha Text
(4-character limit)
The time zone of the location where the funds are available.
12 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.
13 Original Currency issuing Alpha text
(3-character limit)
The three-character ISO currency code of the payment amount as reported by the acquirer.
14 Original Amount issuing Fixed point number The payment amount in the currency defined in Original Currency.
15 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.
16 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.
17 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.
18 Reference issuing
payouts
platform payments
Unicode text The unique identifier of a pending debit or credit.
19 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:
  • Payment Fee for
  • Chargeback Fee for
  • SecondChargeback Fee for
  • ChargebackReversal Fee for
If the original payment did not contain a description, possible fee type indications are:
  • Payment Fee
  • Chargeback Fee
  • SecondChargeback Fee
  • ChargebackReversal Fee
20 Counterparty Balance Account Id issuing
payouts
platform payments
Unicode text The unique identifier of the destination of the transfer.
21 Psp Payment Merchant Reference platform payments Unicode Text
(16-character limit)
The PSP merchant reference of a payment.
22 Psp Payment Psp Reference platform payments Unicode Text
(16-character limit)
The PSP reference of a payment.
23 Psp Modification Psp Reference platform payments Unicode Text
(16-character limit)
The PSP modification reference of a payment.
24 Psp Modification Merchant Reference platform payments Unicode Text
(16-character limit)
The PSP modification reference of a payment.
25 Payment Instrument Type issuing Unicode text The type of the payment instrument used in the payment.
26 Payment Instrument Id issuing Unicode text The unique identifier of the payment instrument.
27 Entrymode issuing Unicode text The point-of-sale entry mode as reported by the acquirer.

Possible values:
  • manual
  • chip
  • magstripe
  • magstripe_fallback
  • contactless
  • contactless_magstripe
  • cof
  • token
  • e_commerce
  • server
  • barcode
  • ocr
  • unknown
28 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.
29 Shopper Interaction issuing Alpha text
(30-character limit)
Transaction type. Possible values:
  • Ecommerce
  • ContAuth
  • POS
  • Moto
30 MCC issuing Text field numeric The merchant category code of the merchant that initiated the payment.
31 Counterparty Name issuing Unicode text The name of the merchant that initiated the payment.
32 Counterparty Address issuing Unicode text The address of the merchant that initiated the payment.
33 Counterparty City issuing Unicode text The city of the merchant that initiated the payment.
34 Counterparty Country issuing Unicode text The ISO country code of the merchant that initiated the payment.
35 Counterparty iban payouts Unicode text The IBAN of the merchant that initiated the payment.
36 Counterparty bic payouts Alpha text The BIC of the bank of the merchant that initiated the payment.
37 Counterparty Account Number payouts Unicode Text The account number of the merchant that initiated the payment.
38 Counterparty Postal Code issuing
payouts
Unicode Text The postal code of the merchant that initiated the payment.
39 Interchange Currency issuing Unicode Text The currency of the interchange.
Interchange issuing Unicode Text The amount of interchange.
40 Beneficiary Balance Account issuing Unicode Text The unique identifier of the beneficiary balance account associated with your balance platform.
41 Brand variant issuing Unicode text The brand variant for the payment instrument. For example: mcdebit, visaprepaid.
42 Reference for Beneficiary payouts Unicode Text Your reference for the beneficiary.
43 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.
44 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.
45 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.
46 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.
47 Account Holder Description issuing
payouts
platform payments
Unicode Text Your description for the account holder.
48 Account Holder Reference issuing
payouts
platform payments
Unicode Text Your reference for the account holder.
49 Balance Account Description issuing
payouts
platform payments
Unicode Text Your description for the balance account.
50 Balance Account Reference issuing
payouts
platform payments
Unicode Text Your reference for the balance account.
51 Reserved 1 - - Reserved for future enhancements.
52 Reserved 2 - - Reserved for future enhancements.
53 Reserved 3 - - Reserved for future enhancements.
54 Reserved 4 - - Reserved for future enhancements.
55 Reserved 5 - - Reserved for future enhancements.
56 Reserved 6 - - Reserved for future enhancements.
57 Reserved 7 - - Reserved for future enhancements.
58 Reserved 8 - - Reserved for future enhancements.
59 Reserved 9 - - Reserved for future enhancements.
60 Reserved 10 - - Reserved for future enhancements.

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.

Column Financial service Data type Description
Payment Instrument Reference issuing String Your reference to the payment instrument.
Payment Instrument Description issuing String The description provided for the payment instrument.
Event Id issuing String Id to identify unique events on a single transfer. For example: multiple authorization adjustments or cancellations.

Capture

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

BalancePlatform AccountHolder BalanceAccount 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 Merchant Reference Psp Payment Psp Reference Psp Modification Psp Reference Psp Modification Merchant Reference Reference for Beneficiary
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JY1Y65VWIRGUETT platformPayment received capture 2022-08-15 13:30:18 CEST EUR 99.99 EUR 99.99 EUR 99.99 0 0 Payment reference CWBC43ZX2VTFWR82 PPKFQ89R6QRXGN82 <auto>
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JY1Y65VWIRGUETT platformPayment authorised capture 2022-08-15 13:30:18 CEST EUR 99.99 EUR 99.99 EUR -99.99 99.99 0 Payment reference CWBC43ZX2VTFWR82 PPKFQ89R6QRXGN82 <auto>
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JY1Y65VWIRGUETT 3JERI65VWIRGW99A platformPayment captured capture 2022-08-15 13:30:20 CEST 2022-08-16 00:00:00 CEST EUR 99.99 EUR 99.99 EUR 0 -99.99 99.99 be042870-ee76-36fd-bf4f-f1c8c7f6d558-469761ae-833d-35cc-ab80-d8de3dc273d9 be042870-ee76-36fd-bf4f-f1c8c7f6d558-469761ae-833d-35cc-ab80-d8de3dc273d9 Payment reference CWBC43ZX2VTFWR82 PPKFQ89R6QRXGN82 <auto> YOUR_REFERENCE

Refund

The purchase of EUR 99.99 is refunded.

BalancePlatform AccountHolder BalanceAccount 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 Merchant Reference Psp Payment Psp Reference Psp Modification Psp Reference Psp Modification Merchant Reference Reference for Beneficiary
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JERI65VWKBRFIVB platformPayment received refund 2022-08-15 16:07:53 CEST EUR -99.99 EUR -99.99 EUR -99.99 0 0 Payment reference CWBC43ZX2VTFWR82 QFQTPCQ8HXSKGK82 Payment reference
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JERI65VWKBRFIVB platformPayment authorised refund 2022-08-15 16:07:53 CEST EUR -99.99 EUR -99.99 EUR 99.99 -99.99 0 Payment reference CWBC43ZX2VTFWR82 QFQTPCQ8HXSKGK82 Payment reference
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JERI65VWKBRFIVB 3JY1Y65VWKBRDODY platformPayment refunded refund 2022-08-15 16:07:54 CEST 2022-08-16 00:00:00 CEST EUR -99.99 EUR 99.99 EUR 0 99.99 -99.99 a0978d35-69c8-341e-a328-b92d799b1048-d2c593e5-ee50-372e-84a1-a96e9ad902c2 a0978d35-69c8-341e-a328-b92d799b1048-d2c593e5-ee50-372e-84a1-a96e9ad902c2 Payment reference CWBC43ZX2VTFWR82 QFQTPCQ8HXSKGK82 Payment reference YOUR_REFERENCE

Chargebacks

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

BalancePlatform AccountHolder BalanceAccount 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 Counterparty Balance Account Id Psp Payment Merchant Reference Psp Payment Psp Reference Psp Modification Psp Reference Psp Modification Merchant Reference Reference for Beneficiary
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JERI65VUXP7KGPZ platformPayment received capture 2022-08-11 13:39:42 CEST EUR 10.00 EUR 10.00 EUR 10.00 0.00 0.00 Order 123 GWBXNFVNC8NKGK82 R8QTPCQ8HXSKGK82 <auto>
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JERI65VUXP7KGPZ platformPayment authorised capture 2022-08-11 13:39:42 CEST EUR 10.00 EUR 10.00 EUR -10.00 10.00 0.00 Order 123 GWBXNFVNC8NKGK82 R8QTPCQ8HXSKGK82 <auto>
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JERI65VUXP7KGPZ 3JY1Y65VUXP7NX61 platformPayment captured capture 2022-08-11 13:39:44 CEST 2022-08-13 00:00:00 CEST EUR 10.00 EUR 10.00 EUR 0.00 -10.00 10.00 3eb0acbd-a3da-f54863237f33 3eb0acbd-a3da-f54863237f33 Order 123 GWBXNFVNC8NKGK82 R8QTPCQ8HXSKGK82 <auto> Order 123
YOUR_BALANCE_PLATFORM AH00000000000000000LIABLE BA00000000000000000LIABLE 3JY1Y65VVCY2HSMS platformPayment received chargeback 2022-08-12 15:16:09 CEST EUR -10.97 EUR -10.97 EUR -10.97 0.00 0.00 Order 123 GWBXNFVNC8NKGK82 FJM726V375BV9D82 Payment.TxId=200000001629777092
YOUR_BALANCE_PLATFORM AH00000000000000000LIABLE BA00000000000000000LIABLE 3JY1Y65VVCY2HSMS platformPayment authorised chargeback 2022-08-12 15:16:09 CEST EUR -10.97 EUR -10.97 EUR 10.97 -10.97 0.00 Order 123 GWBXNFVNC8NKGK82 FJM726V375BV9D82 Payment.TxId=200000001629777092
YOUR_BALANCE_PLATFORM AH00000000000000000LIABLE BA00000000000000000LIABLE 3JY1Y65VVCY2HSMS 3JERI65VVCY2JL8Y platformPayment chargeback chargeback 2022-08-12 15:16:11 CEST 2022-08-12 00:00:00 CEST EUR -10.97 EUR 10.97 EUR 0.00 10.97 -10.97 c8eb7d24-fea1-9dbff28e58b5 c8eb7d24-fea1-9dbff28e58b5 Order 123 GWBXNFVNC8NKGK82 FJM726V375BV9D82 Payment.TxId=200000001629777092
YOUR_BALANCE_PLATFORM AH00000000000000000LIABLE BA00000000000000000LIABLE 3JY1Y65VVCY2HSMS 3JERI65VVDJ2PWP8 platformPayment chargebackReversed chargebackReversal 2022-08-12 16:14:59 CEST 2022-08-12 00:00:00 CEST EUR 9.03 EUR 9.03 EUR 0.00 0.00 9.03 91fa95ab-a93d-9dbff28e58b5 91fa95ab-a93d-9dbff28e58b5 Order 123 GWBXNFVNC8NKGK82 FJM726V375BV9D82 Payment.TxId=200000001629777092
YOUR_BALANCE_PLATFORM AH00000000000000000LIABLE BA00000000000000000LIABLE 3JY1Y65VVCY2HSMS 3JERI65VVE4PEDNM platformPayment secondChargeback secondChargeback 2022-08-12 17:15:31 CEST 2022-08-13 00:00:00 CEST EUR -10.97 EUR 10.97 EUR 0.00 0.00 -10.97 0d0a9a25-b990-9dbff28e58b5 0d0a9a25-b990-9dbff28e58b5 Order 123 GWBXNFVNC8NKGK82 FJM726V375BV9D82 Payment.TxId=200000001629777092

Transfers

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

BalancePlatform AccountHolder BalanceAccount 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 Counterparty Balance Account Id Reference for Beneficiary
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JRMF75VXKN6HIM5 internal received internalTransfer 2022-08-18 05:07:54 CEST EUR -99.99 EUR 0.00 EUR -99.99 0.00 0.00 BA00000000000000000000002
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JRMF75VXKN6HIM5 internal authorised internalTransfer 2022-08-18 05:07:54 CEST EUR -99.99 EUR 0.00 EUR 99.99 -99.99 0.00 BA00000000000000000000002
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JRMF75VXKN6HIM5 3JRMF75VXKN6HIN3 internal booked internalTransfer 2022-08-18 05:07:54 CEST 2022-08-18 05:07:49 CEST EUR -99.99 EUR 0.00 EUR 0.00 99.99 -99.99 internal transfer reference internal transfer reference BA00000000000000000000002 REFERENCE
YOUR_BALANCE_PLATFORM AH00000000000000000000002 BA00000000000000000000002 ZJ00AQ5VXKN8E8E1 internal received internalTransfer 2022-08-18 05:07:58 CEST EUR 99.99 EUR 99.99 EUR 99.99 0.00 0.00 BA00000000000000000000001
YOUR_BALANCE_PLATFORM AH00000000000000000000002 BA00000000000000000000002 ZJ00AQ5VXKN8E8E1 internal authorised internalTransfer 2022-08-18 05:07:58 CEST EUR 99.99 EUR 99.99 EUR -99.99 99.99 0.00 BA00000000000000000000001
YOUR_BALANCE_PLATFORM AH00000000000000000000002 BA00000000000000000000002 ZJ00AQ5VXKN8E8E1 ZJ00AQ5VXKN8E8D3 internal booked internalTransfer 2022-08-18 05:07:58 CEST 2022-08-18 05:07:49 CEST EUR 99.99 EUR 99.99 EUR 0.00 -99.99 99.99 3JRMF75VXKN6HIN3 internal transfer reference BA00000000000000000000001 REFERENCE

Payouts

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

BalancePlatform AccountHolder BalanceAccount 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 Counterparty Name Counterparty Address Counterparty City Counterparty Country Counterparty iban Counterparty bic Counterparty Account Number Counterparty Postal Code Interchange Currency Reference for Beneficiary
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JTRKZ5VXL07G5UY bank received bankTransfer 2022-08-18 05:44:24 CEST EUR -10.00 EUR 0.00 EUR -10.00 0.00 0.00 NL45INGB0705001903 INGBNL2AXXX
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JTRKZ5VXL07G5UY bank authorised bankTransfer 2022-08-18 05:44:24 CEST EUR -10.00 EUR 0.00 EUR 10.00 -10.00 0.00 NL45INGB0705001903 INGBNL2AXXX
YOUR_BALANCE_PLATFORM AH00000000000000000000001 BA00000000000000000000001 3JTRKZ5VXL07G5UY 3JTRKZ5VXL07G5VW bank booked bankTransfer 2022-08-18 05:44:24 CEST 2022-08-18 05:44:17 CEST EUR -10.00 EUR 0.00 EUR 0.00 10.00 -10.00 YOUR_REFERENCE YOUR_DESCRIPTION NL45INGB0705001903 INGBNL2AXXX 10003 payout