Fees & Settlements

The Fees & Settlements report contains all non-transaction line items from your PSP settlement files. These are entries that don't correspond to an individual customer payment. Instead, they represent batch payouts to your bank account, processing fees, dispute holds and releases, and other PSP-level charges.

When to Use This Report

• To reconcile bank deposits against PSP settlement payouts
• To track PSP fees that are charged at the batch level (not per-transaction)
• To monitor dispute holds and their eventual release or deduction
• To verify the total net settlement matches what arrived in your bank account

Column Reference

Transaction Types

Example Data

Adyen Settlement Batch

PayPal Dispute Releases

How to Read This Report

Reconciling Bank Deposits

Each MerchantPayout row represents a transfer from the PSP to your bank account. To reconcile your bank statement:

1. Filter this report to transaction_type = MerchantPayout
2. Group by batch_ref and net_currency
3. Match each group's total against the corresponding deposit in your bank statement

For example, the batch 160 - 2025-11-01 01:15:03+00 from Adyen contains four payouts:

You should see these exact amounts as deposits in your respective currency bank accounts.

Understanding Batch-Level Fees

Fees in this report are separate from the per-transaction fees shown in the Successful Payments report. Batch-level fees typically include:

• Monthly platform fees
• PCI compliance charges
• Account maintenance fees
• Currency conversion surcharges applied at settlement time

In the example above, three EUR fee entries totalling -528.30 EUR were charged in the same batch as the settlement payouts.

Tracking Dispute Holds

PayPal and some other PSPs hold funds when a customer opens a dispute. You will see two types of entries:

• Hold for Dispute Resolution (negative): funds are withheld when the dispute is opened
• Cancellation of Hold for Dispute Resolution (positive): funds are released back to you when the dispute is resolved in your favour

Track these as a pair. If you see many holds without corresponding cancellations, follow up with the PSP on open disputes.

Tips for Working with This Report

Calculate Total Settlements by Currency

=SUMIFS(fees[net_amount], fees[transaction_type], "MerchantPayout", fees[net_currency], "USD")

Calculate Total Fees by PSP

=SUMIFS(fees[net_amount], fees[transaction_type], "Fee", fees[psp_type], "AdyenGlobal")

Track Net Dispute Exposure

Total holds:          =SUMIFS(fees[net_amount], fees[transaction_type], "Hold for Dispute Resolution")
Total cancellations:  =SUMIFS(fees[net_amount], fees[transaction_type], "Cancellation of Hold*")
Open exposure:        = Total holds + Total cancellations  (holds are negative, so this gives the net)

Pivot Table: Monthly Fee Summary

1. Select all data
2. Insert > Pivot Table
3. Set Rows = transaction_type, Columns = net_currency, Values = SUM of net_amount

This gives you a quick overview of how much you paid in fees vs. how much was settled, broken down by currency.

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