Settlement Details Report

Description

The Settlement Details report provides a complete, transaction-level breakdown of all items included in your card network settlements. These includes captures, disputes, card network billing, and adjustments. Each transaction has the information needed to reconcile including the settlement amounts, the chargeKey and a networkFundsTransferKey. This data is specifically designed to support acquirers with reconciliation of settlement activity.

Audience

Product / Engineering
Finance

Purpose

The Settlement Details report serves several key purposes for financial operations:

Reconcile the transaction lifecycle by connecting settlement activity with authorizations sent for capture.
Reconcile incoming bank transfers with each underlying transaction including captures, disputes, fees and adjustments.
Verify deducted card network fees with the corresponding scheme fee invoices.

Functionality

Create reports	Not yet available on the Silverflow platform
Access reports	Not yet available on the Silverflow platform
Schedule reports	Not yet available on the Silverflow platform
Query patterns	Not yet available on the Silverflow platform
Data types	Not yet available on the Silverflow platform
Data sources	Not yet available on the Silverflow platform

API Reference: Create Settlement Details Report: Not yet available on the Silverflow platform
API Reference: Get Report File: Documentation for downloading a report file that has already been generated.
API Reference: Schedule Report: Documentation for creating a recurring report schedule.

Considerations

detailType: The report includes various detailType that impact the settlement activity of the acquirer.
- capture: initial charges performed and cleared on the Silverflow platform (purchase, refund, payout, funding).
- dispute: chargebacks and all consecutive dispute stages with a financial impact.
- card_network_billing: scheme fees that are deducted from settlement by the card networks. These amounts can be reconciled back to the invoices sent by the networks to the acquirer.
- adjustment: any other adjustments that the card networks apply on the daily settlement position of the acquirer. These can relate to rounding precision, double bookings, and other corrections on booking errors.
How to reconcile with your bank transfers:
- Silverflow attaches a networkFundsTransferKey to each bank transfer to the acquirer (network, settlement service, settlement day). Clients can find the networkFundsTransferKey corresponding to the bank transfer by creating Network Funds Transfers reports each day. The reported amount in the Network Funds Transfers report matches the total amount received on your bank account.
- The Settlement Details report provides a transaction-level breakdown of that bank transfer. Each settlementDetail entry has a networkFundsTransferKey for the bank transfer that it is included in. Using that key, clients can tie individual transactions to an incoming bank transfer. The netSettlementAmount for each entry represents the ultimate settlement amount included in the bank transfer.
How to reconcile with your authorizations:
- Silverflow attaches a chargeKey to each settlementDetail. This chargeKey is returned to the Agent when creating a charge on our platform.
- Matching both keys allows clients to perform transaction lifecycle reconciliation.

Content

This section provides a detailed breakdown of all the fields available in the report. For clarity and ease of reference, the fields are organized by core fields and additional fields.

Core fields

The fields that are available in all settlementDetails entries, and provide the necessary information to reconcile against incoming bank transfers.

Field	Description
key	A unique identifier for a settlementDetail, starting with `sdt-`.
bookDate	The date and time that the settlementDetail was available for reporting
network	The card network associated with the entry. Possible values include: `mastercard` `visa`
networkFundsTransferKey	A foreign key that identifies the funds transfer to which this reconciliation detail belongs. Used to reconcile with the networkFundsTransfer report. Starts with `nft-`.
agentKey	A foreign key that identifies the agent, starting with `cgt-`.
detailType	The type of settlement detail. Possible values include: `capture` `dispute` `card_network_billing` `adjustment`
messageSystem	Determines whether the transaction was originated from a dual-message system (`dms`) or single-message system (`sms`).
fundsTransferDate	The settlement date when the `netSettlementAmount` will be included in the financial position for that settlement service.
settlementService	The identifier of the Settlement Service as defined by the Card Network. For example, `001` for Visa or `EU00000008` for Mastercard.
netSettlementAmountValue	The amount, net of interchange fees, that will be settled to the acquirer. In minor units with decimal precision (e.g., $0.345 is 34.5). This amount is in the settlement currency.
netSettlementAmountCurrency	The three-letter ISO currency code. For example, `USD` or `EUR`.
netSettlementAmountImpact	Indicates whether the amount is a `credit` or a `debit`.

Additional fields

A collection of fields that are only present based on the detailType of the settlementDetail. These fields provide specific information about the transaction, its origin, and any related fees or disputes.

Field	Description
chargeKey	A foreign key that identifies a Charge performed on the Silverflow platform. Starts with `chg-`. This key is used to reconcile transactions from authorization to settlement
arn	The Acquirer Reference Number (ARN) for dual-message system (dms) transactions. Unique identifier assigned by Silverflow.
grossSettlementAmountValue	The amount to be settled to the acquirer before interchange fees. This is the clearing amount in the settlement currency.
grossSettlementAmountCurrency	The three-letter ISO currency code. For example, `USD` or `EUR`.
grossSettlementAmountImpact	Indicates whether the amount is a `credit` or a `debit`.
interchangeFeeAmountValue	The interchange fee amount applied to the transaction, in the settlement currency.
interchangeFeeAmountCurrency	The three-letter ISO currency code. For example, `USD` or `EUR`.
interchangeFeeAmountImpact	Indicates whether the amount is a `credit` or a `debit`.
interchangeFeeDesignatorIrd	The Interchange Rate Designator of the interchange program as defined by the Mastercard manuals. This is a 2 character code.
interchangeFeeDesignatorFeeDescriptor	The Fee Descriptor as defined by the Visa manuals.
disputeStage	the dispute stage of the chargeback. Only available when detailType is `dispute`.
acquiringId	Identifier of the Acquirer as defined by Visa
acquiringIca	Identifier of the Acquirer as defined by Mastercard
billingType	The type of billing. Only available for Visa network and `card_network_billing` detailType. Can have values: `visa_charges:` these values can be reconciled to the “Previously Collected” items on the invoice `visa_integrated_billing_system:` these values can be reconciled to the “Current Billing” items on the invoice