The settlement report

Central to automating your reconciliation flow is the settlement report, which contains all balance mutations on an account for a specified timeframe, usually from one payout to another. These mutations are payments that landed into the account, refunds that were taken out or any other transaction affecting the balance of that account.

Report columns

The report will have 27 columns (A-AA) for which the order is not going to change. Rootline may add new columns in the future in column AB and further (to the right).

column	header	description
A	account_id	The account that the settlement report is created for and that the transaction relates to.
B	account_name	The account name.
C	payment_id	The Rootline-generated identifier of a payment.
D	payment_reference	Payment reference provided by the partner merchant.
E	payment_description	The description that was given to the payment.
F	payment_created_at	Payment creation date in UTC.
G	split_payment_ids	A list of payment IDs of the split payment(s).
H	payment_method	The payment method used. Examples: visa, mastercard, ideal.
I	journal	The relevant journal (type) for the mutation.
J	fee_type	Only for fee_paid journals such as processing_fee, authentication_fee or authorization_fee.
K	journal_event_time	The time at which the event was booked in UTC.
L	operation_id	The identifier for the operation that triggered the mutation, e.g. a capture_id, or payout_id.
M	operation_reference	A reference provided by the merchant for the operation (or taken from merchant configuration).
N	statement_descriptor	For payments the statement descriptor is a value that customers can see on their bank or card statement. For payouts, the value can be used to match a received bank transfer to a payout record in the settlement report.
O	gross_currency	The currency that the buying customer pays in.
P	gross_amount	The amount that the customer sees and pays, or the gross amount for a (split) payment.
Q	split_amount	The total amount that was split. This is an aggregation of multiple splits if applicable.
R	platform_revenue	The revenue going into an account as a result from charging platform_fees.
S	platform_fees	Fees taken from an account as a result from charging platform_fees.
T	interchange_fees	Interchange fee (relevant to pass-through pricing).
U	scheme_fees	Scheme fee (relevant to pass-through pricing).
V	markup	Markup (relevant to pass-through pricing, such Interchange++, though itself not a pass-through component).
W	commission	Fees charged by Rootline for payment methods or other services.
X	processing_fees	Processing fee.
Y	other_fees	Any fees related to the mutation not otherwise specified. A.o.: authentication_fees, balance_transfer_fees, payout_fees, onboarding_fees.
Z	net_currency	The settlement currency of a payment.
AA	net_amount	The amount that has been debited from or credited to the Available Balance of the Account.

Journals

A settlement report contains all mutations (credits and debits) of the Available Balance of an Account, and tracks each individual credit or debit record with a journal. The journal indicates at which event the mutation was booked, e.g. funds_released, refunded or fee_paid. The amounts and fees indicate the financial change related to the event. Rootline will add new journals in the future, to cover more types of mutations.

journal_type	description
funds_released	Captured funds becoming available to an Account's balance.
refunded	Refunded funds are settled with the account.
payment_created	When, at the event of payment creation, a mutation of the Available Balance was realized, e.g. when a fee is booked at payment creation.
authentication_initiated	When, at the event of payment authentication, a mutation of the Available Balance was realized, e.g. when a fee is booked and settled with the Available Balance at authentication.
fee_paid	A fee was settled with the Available Balance of the Account. The fee_type indicates what type of fee it concerns. Examples of fee types: processing_fee, authentication_fee, authorization_fee.
invoice_correction	The monthly invoice that is being settled with your Available Balance.
balance_transfer	A transfer of balance between two Accounts.
payout_sent	Transfer of funds to an external bank account.

Future columns

Please note that Rootline will add new columns to the existing report version. To not break the parsing of your report, Rootline will add any new column only to the right of existing columns (from column AB and further). Please keep this in mind for your parsing logic.

Report versions

The current settlement report version is v1. The version can be found in the name of the file as described below.

The file name

The file name will contain:

• the report type (e.g. settlement_report);
• the version of the report;
• the date range of the transactions inclduded in the report;
• the report_id.

The above file name components are separated by dashes (-).

Example: settlement_report-v1-2025_11_11-2025_11_11-report_2dnQAZNoPkxw9dQjrmkCHy

In this example, the report contains transactions for one day (Nov 11).

Sample settlement reports

To understand the report, let’s look at a sample report, and let's consider two payments, and how they appear in each settlement report. The settlement reports for platforms and merchants don't have to be based on the same time interval, hence they may contain mutations from different time periods. Let's assume the following events:

Payment 1

• Payment of € 15.00 paid with Mastercard
• Payment was authenticated through 3DS. A fee (charged by Rootline, paid by the platform) is applicable of € 0.05
• A processing fee of € 0.10 is applicable to each payment, regardless of payment method, and regardless of it succeeding or not
• The payment is split in full to a merchant
• The clearing fees are as follows:
  • As a platform, you pay Rootline a platform fee of 0.667% (* € 15.00) = € 0.10
  • The interchange and scheme fees are passed through
  • A markup of 0.6 % applies for cards applies, totaling € 0.09
  • The platform earns a fee from the merchant of € 1.50

How to calculate the net proceeds

• The record with journal funds_released shows you the full breakdown for clearing the payment: Gross payment amount - amounts split to other accounts + platform revenue - any fees, netting: € 1.19
• The net proceeds for processing and authenticating this payment are - 0.10 (processing fee) - 0.05 (authentication fee) = - € 0.15
• The full net amount related to Payment 1 is: € 1.19 - € 0.15 = € 1.04

Partial refund for payment 1

• Payment one happens to be partially (€ 10.00) refunded right after it was captured. Therefore it ends up in the same report (see below)
• The platform charges a fee of € 0.50 for processing the refund (platform_revenue)
• Rootline charges the platform a fee of € 0.40 for the refund
• The net proceeds for the platform on the refund are € 0.10

Payment 2

• Payment of € 10.00 paid with iDEAL
• A processing fee was charged
• The payment is split in full to a merchant (SimplyTheBest)
• The clearing fees are as follows:
  • A commission fee (the fee for iDEAL) is charged: € 0.20
  • The platform earns € 1.00 from the Merchant by means of a platform fee
• The net proceeds for the platform for this payment are € 0.70 - € 0.10 (processing fee) = € 0.60

How to calculate the net proceeds

• The record with journal funds_released shows you the full breakdown for clearing the payment: Gross payment amount - amounts split to other accounts + platform revenue - any fees, netting: € 0.70
• The net proceeds for processing the payment are € - 0.10 (processing fee) = - € 0.10
• The full net amount related to Payment 2 is: € 0.70 - € 0.10 = € 0.60

Platform settlement report

Here's the settlement report for the events described above that the platform (SimplyTheTest) would receive.

account_id	account_name	payment_id	payment_reference	payment_description	payment_created_at	split_payment_ids	payment_method	journal	fee_type	journal_event_time	operation_id	operation_reference	statement_descriptor	gross_currency	gross_amount	split_amounts	platform_revenue	platform_fees	interchange_fees	scheme_fees	markup	commission	processing_fees	other_fees	net_currency	net_amount
acc_16O7tapTkKddMRpEB7o0vc	SimplyTheTest	pmt_1ZX2bRdsApvCfiQnEjN616	order-123		2024-01-14T07:21:11.100122Z		mastercard	fee_paid	authentication_fee	2024-01-16T02:00:11.100122Z	authn_1ZX2bRdsApvCfiQnE12BCa			EUR										-0.05	EUR	-0.05
acc_16O7tapTkKddMRpEB7o0vc	SimplyTheTest	pmt_1ZX2bRdsApvCfiQnEjN616	order-123		2024-01-14T07:21:12.234236Z		mastercard	fee_paid	processing_fee	2024-01-16T02:00:11.100122Z	pmt_1ZX2bRdsApvCfiQnEjN616	order-123		EUR									-0.10		EUR	-0.10
acc_16O7tapTkKddMRpEB7o0vc	SimplyTheTest	pmt_1ZX2bRdsApvCfiQnEjN616	order-123		2024-01-14T10:22:55.242234Z	["pmt_UZCb3N3tPKRFlsOkGpjyT","pmt_TJCb3N3tPKRFlsOkGpjyT"]	mastercard	funds_released		2024-01-16T02:00:11.100122Z	cap_1ZX2bRdsApvCfiQnEjN5xB	cap-123		EUR	15.00	-15.00	1.50	-0.10	-0.02	-0.10	-0.09				EUR	1.19
acc_16O7tapTkKddMRpEB7o0vc	SimplyTheTest	pmt_1ZX2bRdsApvCfiQnEjN616	order-123		2024-01-14T04:32:01.124514Z	"pmt_UZCb3N3tPKRFlsOkGpjyT"	mastercard	refunded		2024-01-16T02:00:11.100122Z	ref_4So4Ky5ZjviQdskwfI6FpS	ref-123		EUR	-10.00	10.00	0.50					-0.40			EUR	0.10
acc_16O7tapTkKddMRpEB7o0vc	SimplyTheTest	pmt_12DS3JDLbm0n0gII4L9ZUS	order-124		2024-01-14T07:21:12.234236Z		ideal	fee_paid	processing_fee	2024-01-16T02:00:11.100122Z	pmt_12DS3JDLbm0n0gII4L9ZUS	order-124		EUR									-0.10		EUR	-0.10
acc_16O7tapTkKddMRpEB7o0vc	SimplyTheTest	pmt_12DS3JDLbm0n0gII4L9ZUS	order-124		2024-01-14T10:22:55.242234Z	"pmt_5R8nZCpXt7NUX0yh0Ct3Cu"	ideal	funds_released		2024-01-16T02:00:11.100122Z	cap_3tuZDia3DVuMDybYgC4WwL	cap-124		EUR	10.00	-10.00	1.00	-0.10				-0.20			EUR	0.70
acc_16O7tapTkKddMRpEB7o0vc	SimplyTheTest							payout_sent		2024-01-16T05:00:11.100233Z	payout_7tapTkKddMRpEB7o0vc	payout-1	payout_20250921	EUR											EUR	-1.40

Download Example CSV

Report API

How this report would be downloadable through the report-API:

{
    "id": "report_76pIpH8wOmIBgXHcfXfMRX",
    "object": "report",
    "report_type": "settlement_report",
    "file_name": "SettlementReport_2024-01-16T14_59_27.007Z_report_76pIpH8wOmIBgXHcfXfMRX.csv",
    "generated_at": "2024-01-16T14_59_27.007Z",
    "download_url": "https://report-api.staging.rootline.com/v1/reports/report_76pIpH8wOmIBgXHcfXfMRX/download",
    "sha256": "LYF7QXYQ4Tmq3meWIlzQxbQMCWNhT31er1rfazfeaIMA=",
    "version": "2024-04-23",
    "input_parameters": {
        "end_time": "2024-01-14",
        "account_id": "acc_16O7tapTkKddMRpEB7o0vc",
        "short_edit": "true",
        "start_time": "2024-01-14"
    }
}

Merchant settlement report

Here's the settlement report for the events described above that the merchant (SimplyTheBest) would receive.

account_id	account_name	payment_id	payment_reference	payment_description	payment_created_at	split_payment_ids	payment_method	journal	fee_type	journal_event_time	operation_id	operation_reference	statement_descriptor	gross_currency	gross_amount	split_amounts	platform_revenue	platform_fees	interchange_fees	scheme_fees	markup	commission	processing_fees	other_fees	net_currency	net_amount
acc_3rCZjdwPbf8KaDUOmvnEf6	SimplyTheBest	pmt_UZCb3N3tPKRFlsOkGpjyT	order-123-A		2024-01-14T10:22:55.242234Z		mastercard	funds_released		2024-01-16T02:00:11.100122Z	cap_5R8nZCpXt7NUX0yh0Ct3Cu	cap-123-A		EUR	15.00			-1.50							EUR	13.50
acc_3rCZjdwPbf8KaDUOmvnEf6	SimplyTheBest	pmt_UZCb3N3tPKRFlsOkGpjyT	order-123-A		2024-01-14T04:32:01.124514Z		mastercard	refunded		2024-01-16T02:00:11.100122Z	ref_4So4Ky5ZjviQdskwfI6FpS	ref-123-A		EUR	-10.00			-0.50							EUR	-10.50
acc_3rCZjdwPbf8KaDUOmvnEf6	SimplyTheBest	pmt_5R8nZCpXt7NUX0yh0Ct3Cu	order-124-A		2024-01-14T10:22:55.242234Z		ideal	funds_released		2024-01-16T02:00:11.100122Z	cap_4e8C3AMwi0m6xOnHVx3YCC	cap-124-A		EUR	10.00			-1.00							EUR	9.00
acc_3rCZjdwPbf8KaDUOmvnEf6	SimplyTheBest							payout_sent		2024-01-16T05:00:11.100236Z	payout_7tapTkKddMRpEB7o0vc	payout-reference-1		EUR											EUR	-12.00

Download Example CSV

Report API

How this report would be downloadable through the report-API:

{
    "id": "report_6BHiXfKoX37bB02DZmilfS",
    "object": "report",
    "report_type": "settlement_report",
    "file_name": "SettlementReport_2024-01-16T15_01_21.002Z_report_6BHiXfKoX37bB02DZmilfS.csv",
    "generated_at": "2024-01-16T15_01_21.002Z",
    "download_url": "https://report-api.staging.rootline.com/v1/reports/report_76pIpH8wOmIBgXHcfXfMRX/download",
    "sha256": "Apfewnf9A2eWIlzQxbQMCWNhT31erzzfFdwPPosa=",
    "version": "2024-04-23",
    "input_parameters": {
        "end_time": "2024-01-14",
        "account_id": "acc_3rCZjdwPbf8KaDUOmvnEf6",
        "short_edit": "true",
        "start_time": "2024-01-14"
    }
}