Breakdown types

Last updated: October 2, 2024

Learn all about the different breakdown types found in our reconciliation reports.

Reporting category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Payments	Capture	Capture	A payment that has been captured, becoming revenue available to you.	`act_`	`pay_`
	Partial Capture	Partial Capture	A payment that has been partially captured as part of a series of multiple captures or a single partial capture.
	Clearing Failed	Clearing Failed	A payment that has failed clearing from schemes and APMs. If this happens, any affected financial actions are reversed. For example, a failed refund will be credited back to your balance.
Refunds	Refund Partial Refund	Refund	A payment that has been refunded to the cardholder.

Reporting category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Chargebacks	Chargeback	Chargeback (ADJM)	The chargeback has been issued. Your account has been debited the disputed amount.	`dsp_`	`pay_`
		Chargeback (CBRV)	The chargeback was reversed/canceled by the issuing bank. Your account has been credited the disputed amount.
		Chargeback (RPDW)	You have won the dispute. Your account has been credited the disputed amount.
		Chargeback (ARBW)	You have won the arbitration case. Your account has been credited with the amount you did not accept liability for.
		Chargeback (ARBL)	You have lost the arbitration case. Your account has been debited an arbitration fee.
		Chargeback (ARWS)	You avoided a formal chargeback by accepting the dispute upfront. Your account has been debited the disputed amount.
		Chargeback (AUTO)	The chargeback was received, but the bank automatically represented it for a specific reason. For example, the transaction may have already been refunded before the chargeback was received.
	Chargeback breakdown	Chargeback (UPDT)	Your account was financially adjusted after a dispute was processed.

Reporting category	Action type	Breakdown type	Description
Pay to Bank Payouts	Pay to Bank	Payout	A Bank payout transaction that is paid to a beneficiary of your choice.
		Payout Rejected	A payout which has been rejected by Checkout.com. For example, due to a failed sanctions screening.
		Payout Returned	A payout which has been returned by our banking partners. For example, because of incorrect beneficiary bank details.
Merchant Payouts	Merchant Payout	Payout	Funds processed by Checkout.com that are settled to you.
		Payout Rejected	A payout which has been rejected by Checkout.com. For example, due to a failed sanctions screening.
		Payout Returned	A payout which has been returned by our banking partners. For example, due to incorrect beneficiary bank details.
Pay to Card Payouts	Card Payout	Card Payout	A payout transaction made to a card.
Adjustment	Adjustment	Scheme Variable Fee	An adjustment made to your sub-accounts for any fee corrections that may need to take place.
	Adjustment	Scheme Fixed Fee
	Top Up	Top Up	A top-up to a sub-account that has been made by bank transfer, and applied to your account.
	Security Deposit Reservation	Security Deposit Reservation	An adjustment made to your Available balance to move funds into your Collateral balance to cover any credit risk while processing with us.
	Security Deposit Release	Security Deposit Release	The release of funds from your Collateral balance to your Available balance.
	Operational Funding Reservation	Top Up	A top-up to the Operational balance to cover Payouts and Issuing payments when the Available balance is insufficient.
	Operational Funding Reservation	Operational Funding Reservation
	Operational Funding Release	Operational Funding Release	The release of funds from the Operational balance back to the Available balance.
	Cover Negative Position	Cover Negative Position	An adjustment made by Checkout.com to resolve a negative balance. This could be to cover a shortfall: In the new platform, using funds received In the old platform, by transferring the negative balance to the new platform
	Transaction Amount Discrepancy	Transaction Amount Discrepancy	A manual adjustment made by Checkout.com to correct any transaction discrepancies or transfer funds from one sub-account to another.
	Invoice Settlement	Invoice Settlement	An amount that has been paid by bank transfer for amounts owed on an invoice.
	Cover Negative Position	Cover Negative Position	An adjustment made by Checkout.com to resolve a negative balance. This could be to cover a shortfall: In the new platform, using funds received In the old platform, by transferring the negative balance to the new platform
	Transaction Amount Discrepancy	Transaction Amount Discrepancy	A manual adjustment made by Checkout.com to correct any transaction discrepancies or transfer funds from one sub-account to another.
	Invoice Settlement	Invoice Settlement	An amount that has been paid by bank transfer for amounts owed on an invoice.
	Tiered Pricing Adjustment	Gateway Fixed Fee	A credit or debit adjustment applied to your balances after a change in your monthly processing volume tier. The breakdown type will always be the type of fee the tiering adjustment relates to. For example, gateway fixed fees.
		Authorization Fixed Fee
		Void Fixed Fee
		Card Verification Fixed Fee
		Refund Fixed Fee
		Premium Fixed Fee
		Premium Variable Fee
		Authentication Fixed Fee
		Risk Engine Fixed Fee

Reporting category Action type Breakdown type Description Action ID format Payment ID format

Reporting category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Transfers In Transfers Out	Transfer	Promotion	The type of transfer being requested.	`tra_`	`tra_`
Refund
Transfer

Transfers In

Transfers Out

Transfer

Promotion

The type of transfer being requested.

tra_

Refund

Transfer

Reporting category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Reserve Deducted	Capture	Rolling Reserve Deducted	An amount deducted from a payment capture and held by Checkout.com in reserve for a period of agreed time.	`act_`	`pay_`
Reserve Released	Capture	Rolling Reserve Released	An amount released to the client after the period of agreed reserve time elapses.	`act_`	`pay_`

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Card Payment Interchange Fees	Capture Partial Capture	Interchange Fixed Fee	A fee passed from the cardholder's issuing bank for the processing of card payments.	`act_`	`pay_`
Card Payment Interchange Fees	Capture Partial Capture	Interchange Variable Fee
Card Payment Scheme Fees	Authorization Capture Partial Capture Void	Scheme Fixed Fee	Fees applied by the card scheme (for example Visa) for the processing of card payments.
Card Payment Scheme Fees	Authorization Capture Partial Capture Void	Scheme Variable Fee
Card Payment Gateway Fees
	Authorization Estimated Authorization Incremental Authorization	Authorization Fixed Fee	A specific fixed fee applied for authorized card payments.
	Void Partial Void	Void Fixed Fee	A specific fixed fee applied for voided card payments.
	Authorization Void	Gateway Fixed Fee	A fixed fee incurred on actions across the payment lifecycle. For example, authentication, authorization, void, and refund.
	Authorization	Card Verification Fixed Fee	A specific fixed fee applied for card verifications to determine whether a card is valid.
Card Payment Blended Fees	Capture Partial Capture	Blended Fixed Fee	A fixed, variable, or fixed and variable flat fee applied to successful captures.
Card Payment Blended Fees	Capture Partial Capture	Blended Variable Fee
Acquiring Premiums	Capture Partial Capture	Premium Fixed Fee	A fixed, variable, or fixed and variable flat fee applied to successful captures when processing payments with Checkout.com.
Acquiring Premiums	Capture Partial Capture	Premium Variable Fee

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Alternative Payment Method Fees	Capture	Gateway Fixed Fee	A fixed fee incurred when a request to the Gateway is made for an alternative payment method transaction.	`act_`	`pay_`
		Capture Fixed Fee	A fee applied for the capture of an alternative payment method transaction.
		Capture Variable Fee
	Refund	Refund Fixed Fee	A fixed fee applied for refunds made for an alternative payment method.
	Void	Void Fixed Fee	A fee applied when a request to void an alternative payment method transaction is made.
	Void	Void Variable Fee

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Refunded Interchange Fees	Refund Partial Refund	Interchange Fixed Fee	Fees set by card schemes (for example Visa) and paid out to the cardholder’s issuing bank, refunded to you for processed refunds.	`act_`	`pay_`
Refunded Interchange Fees		Interchange Variable Fee
Refund Scheme Fees		Scheme Fixed Fee	Fees applied by card schemes for the processing of refunded card payments.
Refund Scheme Fees		Scheme Variable Fee
Refund Gateway Fees		Refund Fixed Fee	A specific fixed fee applied for refunded card payments.
Refund Gateway Fees		Gateway Fixed Fee	A fixed fee incurred on actions across the payment lifecycle. For example, authentication, authorization, void, and refund.

Reporting fee category	Action type	Breakdown type	Description	Acton ID format	Payment ID format
Chargeback Fees	Chargeback	Chargeback Fixed Fee	A fee incurred for payments that are triggered on certain chargeback events.	`dsp_`	`pay_`
		Scheme Fixed Fee	Fees applied by card schemes (for example, Visa or Mastercard) for processing a chargeback.
		Scheme Variable Fee
		Return Fixed Fee	A fixed fee applied to returns for an alternative payment method.
		Disputed Return Fixed Fee	A fixed fee applied to returns that were deemed unauthorized for an alternative payment method.
		Pre-dispute Accepted Fixed Fee	A fee incurred for receiving a pre-dispute notification.
		Pre-dispute Declined Fixed Fee	A fee incurred for receiving a pre-dispute notification.
Representment Fees		Representment Fixed Fee	A fee incurred during the disputes process. Representment occurs when an issuer will review the evidence provided by you.
Retrieval Fees		Retrieval Fixed Fee	A fee incurred before the disputes process. Retrieval occurs when the cardholder’s issuer requests information from you before raising a dispute.

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Authentication fees	Authentication	Authentication Fixed Fee	Fees charged for determining whether a payment is being carried out by the legitimate cardholder. This includes authentications via the Checkout.com Standalone (Sessions) API.	`GUID`	`pay_`
Authentication Scheme Fees		Scheme Fixed Fee	Fees applied by the card scheme (for example Visa) for the processing of authentications.
Authentication Scheme Fees		Scheme Variable Fee

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Risk Engine Fees	Risk Assessment	Risk Engine Fixed Fee	A fixed fee applied for transactions screened by Fraud Detection Pro.	`act_`	`pay_`

Reporting fee category	Action type	Breakdown type	Description
Pay to Bank Fees	Pay to Bank	Payout Confirmed Fixed Fee	A fee charged for every Bank payout transaction, which will be linked to an underlying Bank payout transaction via the action ID and payment ID.
Pay to Bank Fees	Pay to Bank	Payout Returned Fixed Fee	A fee charged for every returned payout, which will be linked to an underlying returned payout via an action ID.

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Pay to Card Fees	Card Payout	Payout Confirmed Fixed Fee	A fee charged for all Card Payouts transaction requests.	`act_`	`pay_`
		Payout Success Fixed Fee	A fee charged on a successful Card Payouts transaction.
		Payout Success Variable Fee	A fee charged on a successful Card Payouts transaction.
Pay to Card Scheme Fees		Scheme Fixed Fee	A fee applied by card schemes (for example Visa) for the processing of Card Payouts.
Pay to Card Scheme Fees		Scheme Variable Fee
Pay to Card Interchange Fees		Interchange Fixed Fee	A fee passed from the cardholder's issuing bank for the processing of Card Payouts.
Pay to Card Interchange Fees		Interchange Variable Fee

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Integrated Platforms Fees	Integrated Platforms Fees	Onboarding Fixed Fee	A one-off fixed fee applied when a sub-entity is created.	`fee_`	`fee_`
		Subscription Fixed Fee	A fixed fee charged monthly. This is based on the number of active sub-entities for that month.	`fee_`	`fee_`
		Transfer Fixed Fee	A one-off fee when a transfer is performed.	`tra_`	`tra_`
		Transfer Variable Fee	A one-off fee when a transfer is performed.
		Platform Management Variable Fee	A fee charged when you successfully perform a card or bank payout to a sub-entity.

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Account Updater Fees	Account Updater	Account Updater Fixed Fee	A fee charged for every successful card update.	`rtau_`	`vau_`

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Network Token Fees	Network Token Provisioning	Network Token Provisioning Fixed Fee	A one-time fee per successful card tokenization with the respective card schemes.	`nta_`	`nt_`
Network Token Fees	Network Token Update	Network Token Update Fixed Fee	A fee for receiving and processing a network token update notification (from the card scheme) for a given network token.	`nta_`	`nt_`

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Intelligent Acceptance Fees	Optimization	Intelligent Acceptance Fixed Fee	A fixed fee applied for transactions optimized by Intelligent Acceptance.	`opg_`	`pay_`

Reporting fee category	Action type	Breakdown type	Description
Merchant Payout Fees	Merchant Payout	Client Settlement Domestic Fixed Fee	A fee charged when funds are settled through domestic bank transfer.
		Client Settlement Domestic Variable Fee
		Client Settlement International Fixed Fee	A fee charged when funds are settled through international bank transfer.
		Client Settlement International Variable Fee

Reporting fee category	Action type	Breakdown type	Description	Action ID format	Payment ID format
Billing Fees	Billing Fee	Minimum Billing Fee	A fee applied to a nominated sub-account, subject to any minimum billing agreements made with Checkout.com.	`act_`	`pay_`

Note

Tax ID defaults to the fee triggering the event. If tax ID is left blank, then it refers to all the fees in the section header.

Reporting category	Action type	Breakdown type	Breakdown type description
Tax	Adjustment Capture Partial Capture Refund Partial Refund	Interchange Fixed Fee Tax	Tax applied to interchange fees.
	Adjustment Authentication Authorization Capture Partial Capture Void Refund Partial Refund Chargeback	Scheme Fixed Fee Tax	Tax applied to scheme fees.
		Scheme Variable Fee Tax	Tax applied to scheme fees.
	Authentication	Authorization Fixed Fee Tax	Tax applied to authentication fees.
	Authentication	Authentication Variable Fee Tax	Tax applied to authentication fees.
	Authorization Estimated Authorization Incremental Authorization	Authorization Fixed Fee Tax	Tax applied to gateway related fees.
	Void Partial Void	Void Fixed Fee Tax
	Authorization Void Refund	Gateway Fixed Fee Tax
	Authorization	Card Verification Fixed Fee Tax
	Refund Partial Refund	Refund Fixed Fee Tax
	Capture Partial Capture	Blended Fixed Fee Tax	Tax applied to blended rate fees.
	Capture Partial Capture	Fixed Fee Tax	Tax applied to blended rate fees.
	Capture Partial Capture	Premium Fixed Fee Tax	Tax applied to Checkout.com premium fees.
	Capture Partial Capture	Premium Variable Fee Tax	Tax applied to Checkout.com premium fees.
	Chargeback	Chargeback Fixed Fee Tax	Tax applied to chargeback related fees.
		Representment Fixed Fee Tax
		Retrieval Fixed Fee Tax
		Pre-dispute Accepted Fixed Fee Tax
		Pre-dispute Declined Fixed Fee Tax
	Pay to Bank	Payout Confirmed Fixed Fee Tax	Tax applied to payout related fees.
	Pay to Bank	Payout Returned Fixed Fee Tax
	Card Payout	Success Fixed Fee Tax
		Success Variable Fee Tax
		Scheme Fixed Fee Tax
		Scheme Variable Fee Tax
		Interchange Fixed Fee Tax
		Interchange Variable Fee Tax
	Risk Assessment	Risk Engine Fixed Fee Tax	Tax applied to Fraud Detection Pro fees.
	Account Updater	Account Updater Fixed Fee Tax	Tax applied to Account Updater fees
	Network Token Provisioning	Network Token Provisioning Fixed Fee Tax	Tax applied to network token provisioning fees
	Network Token Update	Network Token Update Fixed Fee Tax	Tax applied to network token update fees
	Optimization	Intelligent Acceptance Fixed Fee Tax	Tax applied to Intelligent Acceptance fees
	Billing Fees	Minimum Billing Fee Tax	Tax applied to other fees.
	Tiered Pricing Adjustment	Gateway Fixed Fee Tax	Tax applied to any tiered pricing adjustments on fees eligible for tax.
		Authorization Fixed Fee Tax
		Void Fixed Fee Tax
		Card Verification Fixed Fee Tax
		Premium Fixed Fee Tax
		Premium Variable Fee Tax
		Authentication Fixed Fee Tax
		Risk Engine Fixed Fee Tax

Breakdown types

General

Chargebacks

Payouts and adjustments

Transfers

Reserves

Fees

Card processing fees

Alternative payment method fees

Refund fees

Chargeback fees

Authentication fees

Fraud Detection fees

Bank payout fees

Card Payout fees

Integrated Platforms fees

Account Updater fees

Network Token fees

Intelligent Acceptance fees

Client Settlement fees

Other fees

Tax

Note