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	Data type	Data format	Description	Sample value
key	String	Prefix: `sdt-`.	The unique primary Silverflow identifier of a settlementDetail.	`sdt-u9X2p7MvW1zL5kQ8rT4y`
bookDate	DateTime	ISO 8601: `YYYY-MM-DDThh:mm:ss.ssssssZ` (UTC).	The date and time that the settlementDetail was available for reporting.	`2026-01-29T10:30:00.000000Z`
network	Enum	`mastercard`, `visa`, `american-express`, `discover`.	The card network associated with the financial transaction.	`visa`
networkFundsTransferKey	String	Prefix: `nft-`.	A foreign Silverflow key that identifies the bank transfer to which this reconciliation detail belongs. Used to reconcile with the networkFundsTransfer report.	`nft-H2x8K9nQ4mP1zR7vS5wL`
agentKey	String	Prefix: `cgt-`.	A foreign Silverflow key that identifies the agent.	`cgt-7Kz2p9XmN4vR8jL1qW5y`
detailType	Enum	`capture`, `dispute`, `card_network_billing`, `adjustment`.	The type of settlement detail. Indicates whether it is a capture, dispute, billing, or adjustment item.	`capture`
messageSystem	Enum	`dms`, `sms`.	Determines whether the transaction was originated from a dual-message system (`dms`) or single-message system (`sms`).	`dms`
fundsTransferDate	Date	ISO 8601: `YYYY-MM-DD`.	The settlement date when the `netSettlementAmount` will be included in the financial position for that settlement service.	`2026-02-02`
settlementService	String	Alphanumeric.	The identifier of the Settlement Service as defined by the Card Network.	`EU00000008`
netSettlementAmountValue	Float	unsigned, variable precision, minor units.	The amount, net of interchange fees, that will be settled to the acquirer.	`1023.12`
netSettlementAmountCurrency	String	ISO 4217.	The three-letter ISO currency code.	`USD`
netSettlementAmountImpact	Enum	`credit`, `debit`.	Indicates the settlement impact of the amount.	`credit`

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	Data type	Data format	Description	Sample value
chargeKey	String	Prefix: `chg-`	A foreign Silverflow key that identifies a Charge performed. This key is used to reconcile transactions from authorization to settlement.	`chg-LGzLMPALzWTpaf8typ7I`
arn	String	Prefix: `visa-`, `mastercard-`, `amex-`, `discover-`	The Acquirer Reference Number (ARN) for dual-message system (dms) transactions. Unique identifier assigned by Silverflow.	`amex-VJZ8VMV4TZ7R1Y1R6712`
rrn	String	Prefix: `visa-`	The Retrieval Reference Number (RRN) for single-message system (sms) transactions. Unique identifier assigned by Silverflow.	`visa-600918228911`
interchangeFeeDesignatorIrd	String	Fixed Length: 2.	The Interchange Rate Designator of the interchange program as defined by the Mastercard manuals.	`A1`
InterchangeFeeDesignatorFeeDescriptor	String	Alphanumeric.	The Fee Descriptor of the interchange program as defined by the Visa manuals.	`VSP PRODUCT 1`
grossSettlementAmountValue	Float	unsigned, variable precision, minor units.	The amount to be settled to the acquirer before interchange fees. This is the clearing amount in the settlement currency.	`999.12`
grossSettlementAmountCurrency	String	ISO 4217.	The three-letter ISO currency code	`USD`
grossSettlementAmountImpact	Enum	`credit`, `debit`.	Indicates the settlement impact of the amount.	`credit`
interchangeFeeAmountValue	Float	unsigned, variable precision, minor units.	The interchange fee amount applied to the transaction.	`24.99`
interchangeFeeAmountCurrency	String	ISO 4217.	The three-letter ISO currency code	`USD`
interchangeFeeAmountImpact	Enum	`credit`, `debit`.	Indicates the settlement impact of the amount.	`credit`
disputeStage	Enum	`collaborationRefund`, `chargeback`, `secondPresentment`, `escalation`	the dispute stage of the chargeback. Only available when detailType is `dispute`.	`chargeback`
acquiringIca	String	Numeric	Identifier of the Acquirer as defined by Mastercard.	`123456`
acquiringId	String	Numeric	Identifier of the Acquirer as defined by Visa.	`123456`
billingDataBillingType	Enum	`visa_charges`, `visa_integrated_billing_system`, `mastercard_consolidated_billing_system`	The type of billing. Only available for `card_network_billing` detailType. Usage: `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. `mastercard_consolidated_billing_system`: these values can be reconciled to the invoice.	`visa_charges`