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Balance transfers

Get the details of the balance transfers in your settlement batches.

Sometimes a balance transfer appears in a settlement batch. A balance transfer is when funds from one settlement batch transfers to another. The transfer can be either from a previous batch or to a next batch.

You can find details of a balance transfer in:

To reconcile a balance transfer in your payout batch:

  1. Find the balance transfer reason.
  2. Find the balance transfer entry in your Settlement details report.

Step 1: Find the balance transfer reason

The BalanceTransfer sheet in the Company Payout report shows balance transfer entries.

Find the reason in the Reason Code column. The possible values include:

MISSING_DEPOSIT

The payout has been blocked because the deposit either isn't configured or is incorrectly configured, so we have transferred the payout balance to the next settlement batch.

You need to:

  • Fix your deposit configuration
    Contact your Account Manager or our Support Team to configure your deposit.

MISSING_MPL_CONFIG

The payout has been blocked because your liability risk settings aren't configured, so we have transferred the payout balance to the next settlement batch.

You need to:

  • Configure your liability risk settings
    Contact your Account Manager or our Support Team to configure your liability risk settings.

MISSING_SETTLEMENTFLOW_CONFIG

There's an error with the configuration of your settlement flow, so we have transferred the payout balance to the next settlement batch.

You need to:

  • Fix the error
    Contact your Account Manager or our Support Team to fix your settlement flow.

MPL_EXCEEDED

Your required deposit has increased because changes in your transaction volumes have increased your exposure, so we have transferred the amount from your balance to reach the required deposit.

You need to:

  • Find your liability risk details

    You must have the Merchant financial user role.

    To find out more about your exposure and deposit:

    1. Log in to your Customer Area:
    2. Go to Finance > Balances (Merchant) > Deposit.

NEGATIVE_AMOUNT_COMPENSATION

You have a negative Next Payout balance, and we have transferred the negative balance to the next settlement batch.

  • Avoid negative balances
    If you anticipate that future Next Payout balances will also be negative, add funds to your Reserve.

NEGATIVE_INPROCESS

You have a negative balance of in-process funds, and we have transferred the negative balance to the next settlement batch.

  • Avoid negative balances
    Add funds to your Reserve to avoid negative balances in the future. If you keep getting balance transfers with this reason code after adding funds to your Reserve, contact your Account Manager or our Support Team.

  • Calculate your in-process funds balance
    In Payment accounting reports for the dates included in the settlement batch, add the amounts in the Captured (PC) column together. The total is the balance of in-process funds.

PAYOUT_ACCOUNT_CONFIG

There's a problem with your payout account, and we have made a balance transfer to the next settlement batch. The problem can be either of the following:

  • Your bank account details are incorrect.
  • Your bank account doesn't support one of the currencies in the payout batch.

You need to:

  • Fix your payout account details
    Check your payout account details and fix any information that's incorrect. You can check the audit trail to find out if your payout account information was changed.

  • Find the exchange rate for your balance transfer
    If the reason for the balance transfer was because of an unsupported payout currency, we converted the balance transfer amount to your primary payout currency using the Oanda mid rate for the creation date.

PAYOUTS_BLOCKED

The payout was blocked, and we have made transferred the payout balance to the next settlement batch.

You need to:

  • Fix your payout problem
    Contact your Account Manager or our Support Team.

Step 2: Find the balance transfer entry in the Settlement details report

Use the following columns in the Settlement details report to find a balance transfer entry in your settlement batch:

  • Type: an entry with the type Balancetransfer identifies it as a balance transfer.
  • Net Currency: the currency of the net amount.
  • Modification Merchant Reference: specifies if the balance transfer is to a following batch or from a previous batch.

For positive balance transfers:

  • Net Credit: the net amount of the positive balance transfer.

For negative balance transfers:

  • Net Debit: the net amount of the negative balance transfer.

Example

The following example shows a negative balance transfer entry with select columns from a Settlement details report for batch number 123.

Type Modification Reference Net Currency Net Debit (NC) Net Credit (NC) Batch Number Modification Merchant Reference
Balancetransfer Balancetransfer EUR 4.19 123 Balancetransfer to batch 124

The following example shows the corresponding balance transfer entry from the Settlement details report for the next batch.

Type Modification Reference Net Currency Net Debit (NC) Net Credit (NC) Batch Number Modification Merchant Reference
Balancetransfer Balancetransfer EUR 4.19 124 Balancetransfer from batch 123