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Reconcile payments

Reconcile the funds from payment processing to the accounts in your platform.

Here we explain how to track a payment in your platform using the two most relevant reports, scheduled on a daily cadence.

Payment flow and reporting

  • When a customer makes a payment it is processed on your Adyen merchant account. The payment passes through these states:

    • Received: Adyen received the payment request.
    • Authorized: the payment details of the customer are verified with the issuer, and the funds are reserved.
    • SentForSettle: the funds are captured and then booked to balance accounts according to the splits provided in the payment request or the capture request.
  • The booking date indicates the moment when the payment is booked to the balance accounts.

  • The value date indicates the moment when the payment funds are available. This is usually a later date than the booking date.

In the example on this page, we follow a 100 EUR payment. The following diagram summarizes the flow of payment funds according to the payment splits and the reports where you can find the related funds bookings:

Track a payment

In this example we focus on data in the most relevant reports for reconciling payment funds:

  • Payment accounting report
  • Balance Platform Accounting Report

The example 100 EUR payment has PSP reference F2FTV3THPB9Z2C33, and Merchant Reference UUID1. These are two of the unique identifiers in report data that you can use for tracking, reconciling, and combining data across different reports. These identifiers are exchanged in API requests and responses, and also included in webhooks.

Note that the report snippets here show only select columns and rows for illustration.

Payment accounting report

The Payment accounting report shows the progress of this payment through the payment lifecycle events. The Booking Date with timestamp confirms when these events were booked.

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z AA AB
1
Company Account
Merchant Account
Psp Reference
Merchant Reference
Modification Psp Reference
Modification Merchant Reference
Payment Method
Booking Date
TimeZone
Main Currency
Main Amount
Record Type
Payment Currency
Received (PC)
Authorised (PC)
Captured (PC)
Settlement Currency
Payable (SC)
Commission (SC)
Markup (SC)
Scheme Fees (SC)
Interchange (SC)
Processing Fee Currency
Processing Fee (FC)
User Name
Payable Batch
Unique Terminal ID
Store
2
Your_CompanyYour_Merchant_Account_1_EUF2FTV3THPB9Z2C33UUID1mc2023-01-18 15:22:04CETEUR100.00ReceivedEUR100.000.000.00EUR0.10ws@Company.Your_CompanyYOUR_STORE_001
3
Your_CompanyYour_Merchant_Account_1_EUF2FTV3THPB9Z2C33UUID1mc2023-01-18 15:22:05CETEUR100.00AuthorisedEUR-100.00100.000.00ws@Company.Your_CompanyYOUR_STORE_001
4
Your_CompanyYour_Merchant_Account_1_EUF2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1amc2023-01-18 15:22:24CETEUR100.00SentForSettleEUR0.00-100.00100.00EUR97.430.000.500.171.90ws@Company.Your_CompanyYOUR_STORE_001
5
...

Note the SentForSettle date and time: 2023‑01‑18 at 15:22:24. This is when the funds are distributed to the balance accounts as defined in the split instructions. At this point we can pick up the payment bookings in the Balance Platform Accounting Report.

Balance Platform Accounting Report

After the EUR 100 payment with PSP reference F2FTV3THPB9Z2C33 reaches the processing status SentForSettle, the Balance Platform Accounting Report reflects the booking of related payment funds to platform Balance Accounts.

The Status, Type, and Value Date columns in this report are important to understand when funds from this payment contribute balance as credited or debited in the Balance (BC) column.
For platform payments, amounts are reported in the Balance (BC) column when Status is Captured.

The Value Date for the splits from this example payment shows that funds from this payment became available balance on the second day after the funds were captured. In other words, the payout timing is T+2.

The BalanceAccount and Balance Account Description columns provide confirmation of how the funds and fee cost components for this payment are automatically allocated to different balance accounts based on the split instructions.
In our example, as shown in the Balance (BC) column, EUR 97.00 is credited to the platform user's balance account, and the platform's commission of EUR 3.00 is credited to the liable balance account. EUR -2.57 in fees is debited from a fees balance account of the platform. See Reconcile fees for a more detailed description of payment fee bookings.

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z AB AC AD AE AW AX AY AZ BA BB BC
1
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
2
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234-5678-9012-3456YourPlatformUserInc
BA322VL223232B5FJMDFQBC7O
YourPlatformUserInc Balance Account1234-5678-9012-3456_A2OV8675YMHK79ZDZ
platformPayment
receivedcapture
2023-01-18 15:23:22
CETEUR97.00EUR97.000.000.00
yourcompany/transaction/YC1234567890 [Split - Type Balance Account - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
3
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234-5678-9012-3456YourPlatformUserInc
BA322VL223232B5FJMDFQBC7O
YourPlatformUserInc Balance Account1234-5678-9012-3456_A2OV8675YMHK79ZDZ
platformPayment
authorisedcapture
2023-01-18 15:23:22
CETEUR97.00EUR-97.0097.000.00
yourcompany/transaction/YC1234567890 [Split - Type Balance Account - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
4
YOUR_PLATFORM
AH322VK223232B5FJMDFQCGSQ
1234-5678-9012-3456YourPlatformUserInc
BA322VL223232B5FJMDFQBC7O
YourPlatformUserInc Balance Account1234-5678-9012-3456_A2OV8675YMHK79ZDZ20A0VZ5YMHK7G9MR
platformPayment
capturedcapture
2023-01-18 15:23:25
CET
2023-01-20 00:00:00
CETEUR97.00EUR0.00-97.0097.00
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]
5
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR
platformPayment
receivedcapture
2023-01-18 15:23:22
CETEUR3.00EUR3.000.000.00
Your Internal UUID_TYwNTIwMTgxNDg3IiwicCI6IjM [Split - Type Commission - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
6
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR
platformPayment
authorisedcapture
2023-01-18 15:23:22
CETEUR3.00EUR-3.003.000.00
Your Internal UUID_TYwNTIwMTgxNDg3IiwicCI6IjM [Split - Type Commission - Reference]
F2FTV3THPB9Z2C33UUID1GXH5DJ7C6WVFZP73UUID1apayment_pspCapture
7
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VD223232B5F4K9H77VB9
YourCompany Default Liable Balance Account
2OV8675YMHK79ZHR20A0VZ5YMHK7G9NP
platformPayment
capturedcapture
2023-01-18 15:23:25
CET
2023-01-20 00:00:00
CETEUR3.00EUR0.00-3.003.00
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]
8
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
platformPayment
receivedcapture
2023-01-18 15:23:22
CETEUR-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
9
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
platformPayment
authorisedcapture
2023-01-18 15:23:22
CETEUR-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
10
YOUR_PLATFORMAH322VC223232B5F4K9H6CZV0
YourCompany Account Holder
BA322VG223232B5F4K9J35V22YourCompany Fees Balance Account
2OV8675YMHK79ZKM
20A0VZ5YMHK7G9OT
platformPayment
capturedcapture
2023-01-18 15:23:25
CET
2023-01-20 00:00:00
CETEUR-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
11
...

Recommendations

Above we have shown how you can track a payment listed in the Payment accounting report to the corresponding platform account bookings listed in the Balance Platform Accounting Report, to illustrate the lifecycle of a payment and the flow of funds.

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 transaction. You can then reconcile funds from all payments on a daily basis using only the Balance Platform Accounting Report.

See also