You can use the information from the Accounting Report to:
- Track the payment lifecycle by checking the statuses of rows with a shared Transfer Id.
- Track incoming and outgoing funds to and from external bank accounts.
- Create insights into your authorization rate.
You can generate the report automatically based on a schedule, or manually for a specific day in your Balance Platform Customer Area.
Transfers and Transactions
Most events on your balance platform follow the same structure. The structure contains a Transfer and Transactions.
- Transfer: Events 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: Events where the credit and debit are booked on the balance and real money movement has taken place. If there is no Transaction Id available, no money movement has taken place yet. You can link a transaction to a transfer by matching the Transfer Id. A status of
cancelledhas a Transaction Id even though there is no real money movement. This allows you to reconcile the cancellation with the corresponding payment.
Download a sample BalancePlatform Accounting Report for examples of the included data. Based on your platform settings, the report that you generate may contain additional data or columns that are not included in the sample report.
The generated report includes the balance mutations with a Booking Date for all the accounts for your platform between opening (00:00 AM) and closing (00:00 AM the next day) for your selected day. You can generate the report in the timezone configured for your platform, or in Central European Time (CET).
|1||Balance Platform||Unicode Text||Name of your Balance Platform account.|
|2||Account Holder||Unicode Text||Unique identifier of the account holder that owns the balance account.|
|3||Balance Account||Unicode Text||The unique identifier of the balance account.|
|4||Transfer Id||Unicode text||The unique identifier of a pending debit or credit.|
|5||Transaction Id||Unicode text||The unique identifier of a transaction, reflects a completed debit or credit.|
|6||Category||Enum||The category of the transaction. Possible values: platformPayment, internal, bank, issuedCard.|
|7||Status||Enum||The status of the event. Example value: authorised|
|8||Type||Enum||The type of transfer or transaction. Example value: refund|
|9||Booking Date||Date field + Time field||Date of the booking.|
|10||Booking Date Time Zone||Alpha Text
|The time zone of the location where the booking happened.|
|11||Value Date||Date field + Time field||The date when the funds are available.|
|12||Value Date Time Zone||Alpha Text
|The time zone of the location where the funds are available.|
|The default currency of the balance account. Its value is a three-character ISO 4217 currency code.|
|14||Amount||Alpha text||The amount of the transfer or transaction.|
|15||Original Currency||Alpha text
|The currency of the payment amount as received from the acquirer.
Its value is a three-character ISO 4217 currency code.
|16||Original Amount||Fixed point number||The payment amount in the currency defined in Original Currency.|
|17||Payment Currency||Alpha Text
|The currency of the payment.|
|18||Received (PC)||Fixed point number (16-Character limit)||Amount (in Payment Currency) debited or credited on the Received accounting register.|
|19||Reserved (PC)||Fixed point number (16-Character limit)||Amount (in Payment Currency) debited or credited on the Reserved accounting register.|
|20||Balance (PC)||Fixed point number (16-Character limit)||Amount (in Payment Currency) debited or credited on the Balance accounting register.|
|21||Reference||Unicode text||Your reference for the transfer.|
|22||Description||Unicode text||Your description for the transfer.|
|23||Counterparty Balance Account Id||Unicode text||The unique identifier of the destination of the transfer.|
|24||Psp Payment Merchant Reference||Unicode Text
|The PSP merchant reference of a payment.|
|25||Psp Payment Psp Reference||Unicode Text
|The PSP reference of a payment.|
|26||Psp Modification Psp Reference||Unicode Text
|The PSP modification reference of a payment.|
|27||Psp Modification Merchant Reference||Unicode Text
|The merchant modification reference of a payment.|
|28||Payment Instrument Type||Unicode text||The type of the payment instrument used in the payment.|
|29||Payment Instrument Id||Unicode text||The unique identifier of the payment instrument.|
|30||Entrymode||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.|
|31||Auth Code||Text field numeric||A unique authorisation code generated for the payment. This code should be included when cancelling or refunding a payment.|
|32||Shopper Interaction||Alpha text
|Transaction type. Possible values: Ecommerce, ContAuth, POS, Moto.|
|33||MCC||Text field numeric||The merchant category code of the merchant that initiated the payment.|
|34||Counterparty Name||Unicode text||The name of the merchant that initiated the payment.|
|35||Counterparty Address||Unicode text||The address of the merchant that initiated the payment.|
|36||Counterparty City||Unicode text||The city of the merchant that initiated the payment.|
|37||Counterparty Country||Unicode text||The country of the merchant that initiated the payment. Its value is a three-character ISO 3166-1 alpha-3 country code.|
|38||Counterparty iban||Unicode text||The IBAN of the merchant that initiated the payment.|
|39||Counterparty bic||Alpha text||The BIC of the bank of the merchant that initiated the payment.|
|40||Counterparty Account Number||Unicode Text||The account number of the merchant that initiated the payment.|
|41||Counterparty Postal Code||Unicode Text||The postal code of the merchant that initiated the payment.|
|42||Interchange Currency||Unicode Text||The currency of the interchange.|
|43||Interchange||Unicode Text||The amount of interchange.|
|44||Beneficiary Balance Account||Unicode Text||The unique identifier of the beneficiary balance account associated with your platform.|
|45||Brand variant||Unicode text||The brand variant for the payment instrument. For example: mcdebit, visaprepaid.|
|46||Reference for Beneficiary||Unicode Text||Your reference for the beneficiary.|
|47||Platform Payment Interchange||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.|
|48||Platform Payment Scheme Fee||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.|
|49||Platform Payment Markup||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.|
|50||Platform Payment Commission||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.|
|51||Platform Payment Cost Currency||Alpha text (3-character limit)||The currency of the Platform Payment Cost fields.|
|52||Account Holder Description||Unicode Text||Your description for the account holder.|
|53||Account Holder Reference||Unicode Text||Your reference for the account holder.|
|54||Balance Account Description||Unicode Text||Your description for the balance account.|
|55||Balance Account Reference||Unicode Text||Your reference for the balance account.|
|56||Reserved 1||-||Reserved for future enhancements|
|57||Reserved 2||-||Reserved for future enhancements|
|58||Reserved 3||-||Reserved for future enhancements|
|59||Reserved 4||-||Reserved for future enhancements|
|60||Reserved 5||-||Reserved for future enhancements|
|61||Reserved 6||-||Reserved for future enhancements|
|62||Reserved 7||-||Reserved for future enhancements|
|63||Reserved 8||-||Reserved for future enhancements|
|64||Reserved 9||-||Reserved for future enhancements|
|65||Reserved 10||-||Reserved for future enhancements|