Relatórios de liquidação
Os relatórios de liquidação fornecem dados abrangentes sobre os fundos recebidos dos seus adquirentes. Reconcilie os pagamentos esperados com os depósitos reais, identifique discrepâncias e garanta a precisão financeira.
Isso apoia operações financeiras robustas e gestão de tesouraria.
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A visão geral
Settlement reporting sits at the final stage of the payment lifecycle, bridging the gap between card authorisation and the deposit of funds into a merchant bank account.
While a gateway confirms that a transaction was approved, settlement reporting tracks the actual movement of liquidity from the acquirer to the merchant.
This process involves the reconciliation of gross transaction volumes against net payouts after the deduction of interchange fees, scheme fees, and acquirer margins.
It also accounts for financial adjustments such as chargebacks, refunds, and rolling reserves that may be withheld by the acquirer for risk mitigation.
For businesses operating across multiple jurisdictions and currencies, these reports provide the necessary granularity to verify that the value of captured transactions aligns precisely with the funds received.
Proper analysis of these files is essential for treasury management, as it allows financial controllers to monitor cash flow, identify missing payments, and ensure compliance with internal audit requirements.
Como funciona
Data ingestion from acquirers
The reporting system pulls raw settlement files from one or multiple acquirers via API or secure file transfer protocols.
These files contain detailed line items for every transaction that has cleared the card schemes and is ready for payout, including the specific ARN for tracking purposes.
Reconciliation of capture events
The system matches settlement entries against the original authorisation and capture events recorded by the gateway.
This step identifies any variance between the expected revenue and the actual amount processed by the acquirer, highlighting transactions that may have been delayed or failed during the clearing phase.
Fee and adjustment calculation
Financial logic is applied to calculate the impact of merchant service charges and other deductions. It breaks down the costs related to interchange, scheme fees, and the acquirer mark up, while also factoring in debits for processed refunds or successful chargeback disputes initiated by issuers.
Net payout determination
The final stage consolidates the transaction data into a net settlement figure. This takes into account any rolling reserves or fixed holdbacks required by the acquirer, providing a transparent view of the final amount that will be deposited into the merchant's designated corporate bank account.
Por que importa
Financial integrity and auditability
Accurate settlement reporting facilitates rigorous financial control by ensuring that every penny processed is accounted for in the final payout. Without this visibility, businesses may overlook discrepancies caused by technical errors at the acquirer level or misapplied fee structures.
Detailed logs provide a clear audit trail for tax authorities and internal stakeholders, reducing the risk of administrative errors during the monthly closing of accounts.
Optimised liquidity management
Understanding the timing and net value of payouts is critical for effective treasury operations. By analysing settlement cycles and the impact of reserves, merchants can better predict their cash position.
This is particularly vital for high volume businesses where even a small percentage of uncleared funds or unexpected rolling reserves can significantly affect operational capital and the ability to meet short term liabilities.
Casos de uso
Multi-acquirer reconciliation
Merchants using a multi-acquirer strategy use settlement reporting to standardise disparate data formats into a single view, ensuring consistent financial reporting across different regional partners.
Chargeback and refund tracking
Finance teams use these reports to monitor the exact timing of debits from chargebacks and refunds, allowing them to balance the ledger against operational losses and recovery efforts.
Cross-border currency analysis
For entities selling in multiple currencies, settlement reporting reveals the impact of FX rates and conversion fees applied by the acquirer between the transaction date and the settlement date.
Em números
In many regions, interchange represents the vast majority of the total cost of card processing, making its accurate reporting essential for fee transparency.
Standard industry settlement cycles for major card schemes typically fall within this window, though specific APMs may require longer durations.
Modern financial operations aim for this level of precision when matching gateway captures to acquirer payouts to ensure minimal revenue leakage.
Termos relacionados
Talk to our team about a live rollout on your acquiring stack.
O que obtém com Relatórios de liquidação
- Visualize relatórios detalhados de liquidação por adquirente e moeda
- Reconcilie os valores liquidados com os valores das transações processadas
- Acompanhe as deduções de taxas, estornos e reembolsos
- Aceda a dados históricos de liquidação para auditoria e conformidade
- Gere relatórios para intervalos de datas ou períodos de liquidação específicos
- Identifique e conteste discrepâncias nos valores de liquidação
- Historical data retention policies to support long term financial auditing and regulatory compliance requirements.
- Mapping of Acquirer Reference Numbers to specific transactions for precise dispute and retrieval tracking.
- Customisable reporting periods to align with specific fiscal calendars or daily settlement cycles.
- Simplified export of financial data into common formats for integration with various ERP systems.
A short scoping call, then a written plan for your MIDs.
Perguntas sobre Relatórios de liquidação
Com que frequência os relatórios de liquidação são atualizados?
Os relatórios de liquidação são atualizados assim que recebemos os dados de liquidação dos seus adquirentes, geralmente diariamente ou de acordo com o cronograma de pagamento do adquirente. Isso garante que tenha as informações financeiras mais atuais.
Posso ver um detalhe das taxas dentro do relatório de liquidação?
Sim, os relatórios de liquidação fornecem um detalhe exaustivo de todas as taxas deduzidas pelo adquirente, incluindo taxas de processamento, taxas de intercâmbio e taxas de esquema. Essa transparência auxilia na compreensão do seu custo real de aceitação.
Os relatórios de liquidação ajudam nos processos de contabilidade?
Os relatórios de liquidação simplificam significativamente a contabilidade, fornecendo dados consolidados sobre pagamentos, deduções e volumes de transações. Isso simplifica a reconciliação e reduz o esforço manual para a sua equipa financeira.
How do settlement cycles affect my cash flow monitoring?
Different acquirers and payment methods have varying settlement lags, often ranging from T+1 to T+7. Furthermore, some APMs might settle weekly or monthly.
Settlement reporting allows you to track these different windows, giving you a predictable view of when liquidity will hit your bank account. By categorising data by settlement date rather than transaction date, you can align your internal accounting with actual bank deposits.
Can settlement reporting assist in verifying Interchange Plus Plus pricing?
Yes, for merchants on an Interchange Plus Plus (IC++) pricing model, settlement reports are the primary tool for verification. These reports break down the three distinct cost components for every transaction.
By reviewing this data, you can ensure the acquirer is passing through the exact interchange and scheme fees without hidden markups, and that the agreed contract margin is being applied correctly to each transaction type and card tier.
What role does the Merchant Identification Number play in reporting?
The Merchant Identification Number (MID) is the primary key used to categorise settlement data. In a multi-MID setup, where a merchant might have different IDs for different regions, entities, or risk levels, settlement reporting aggregates data by MID.
This allows the business to see which specific business units or channels are generating the most net revenue and to identify if certain MIDs are experiencing higher levels of reserves or chargeback activity.
Funcionalidades relacionadas.
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