PSP Reports

PayPal: Understanding the Activity Report

All row types in PayPal's All Transactions activity CSV, what each column means, and annotated examples of every transaction type.

PayPal provides an All Transactions activity report. Unlike Adyen's per-batch model, PayPal reports one row per event with a single Fee column (no breakdown into commission, markup, etc.). PayPal also includes non-payment entries like dispute holds, withdrawals, and currency conversions. See PayPal's official documentation for the full report specification.

Last updated: March 2026

Key Columns

PayPal CSVs contain many columns, but NjiaPay uses only the following for reconciliation:

Column	Description	Example
`Transaction ID`	PayPal's unique event identifier	`1EG89019681749326`
`Date`	Transaction date (DD/MM/YYYY)	`01/11/2025`
`Time`	Transaction time (HH:MM:SS)	`00:17:41`
`TimeZone`	Timezone of Date/Time. Possible values: `CET`, `CEST`	`CET`
`Type`	Transaction type (see Transaction Types below). Possible values: `Express Checkout Payment`, `PreApproved Payment Bill User Payment`, `Payment Refund`, `Payment Reversal`, `Chargeback`, `Chargeback Reversal`, `Hold on Balance for Dispute Investigation`, `Cancellation of Hold for Dispute Resolution`, `Dispute Fee`, `General Withdrawal`, `User Initiated Currency Conversion`	`Express Checkout Payment`
`Status`	Completion status. Possible values: `Completed`, `Pending`, `Denied`	`Completed`
`Currency`	Currency code. Possible values: `USD`, `EUR`, `GBP`, `AUD`, `CAD`, `CHF`, `NZD`, `PHP`, `PLN`, `JPY`	`USD`
`Gross`	Gross amount (comma as decimal separator)	`5,99` or `-5,99`
`Fee`	Fee amount, negative for charges	`-0,51`
`Net`	Net amount after fees	`5,48`
`Custom Number`	Your NjiaPay reference (`intent_id~attempt_id`)	`019a3c8f-61cf-73bb-9660-8266d915e1c5~1837173`
`Reference Txn ID`	Original transaction ID (for refunds, reversals, disputes)	`8HP53768TB957261U`
`Balance Impact`	Whether this affects your balance. Possible values: `Credit`, `Debit`	`Credit`
`Transaction Event Code`	PayPal's internal event code. Possible values: `T0003` (subscription payment), `T0006` (checkout payment), `T0114` (dispute fee), `T0201` (currency conversion), `T0400` (withdrawal), `T1106` (payment reversal), `T1107` (payment refund), `T1110` (dispute hold), `T1111` (dispute hold cancellation), `T1201` (chargeback), `T1202` (chargeback reversal)	`T0006`

PayPal uses commas as decimal separators (e.g. 5,99 not 5.99). Do not modify the CSV before uploading. NjiaPay handles this automatically.

Transaction Types

PayPal activity reports contain 14 distinct transaction types:

Payment types (matched against NjiaPay transactions)

Type	What It Means	Balance Impact	NjiaPay Report
Express Checkout Payment	Standard customer payment via PayPal checkout	Credit	Successful Payments
PreApproved Payment Bill User Payment	Recurring/subscription payment authorized previously	Credit	Successful Payments

Refund and reversal types

Type	What It Means	Balance Impact	NjiaPay Report
Payment Refund	Voluntary refund initiated by you	Debit	Refunds, Chargebacks & Pending
Payment Reversal	PayPal-initiated reversal of a payment	Debit	Refunds, Chargebacks & Pending

Dispute types

Type	What It Means	Balance Impact	NjiaPay Report
Chargeback	Cardholder disputed the payment with their bank	Debit	Refunds, Chargebacks & Pending
Chargeback Reversal	Chargeback overturned in your favour	Credit	Refunds, Chargebacks & Pending
Hold on Balance for Dispute Investigation	Funds held pending dispute resolution	Debit	Fees & Settlements
Cancellation of Hold for Dispute Resolution	Held funds released back to you	Credit	Fees & Settlements
Dispute Fee	Fee charged for a dispute	Debit	Fees & Settlements

Non-transaction types

Type	What It Means	Balance Impact	NjiaPay Report
General Withdrawal	Transfer from PayPal to your bank account	Debit	Fees & Settlements
User Initiated Currency Conversion	You converted balances between currencies	Debit	Fees & Settlements

Example Rows

Express Checkout Payment

A customer in Australia paid AUD 5.99 via PayPal checkout. PayPal charged a fee of AUD 0.51.

Column	Value
`Date`	`01/11/2025`
`Time`	`00:17:41`
`TimeZone`	`CET`
`Type`	`Express Checkout Payment`
`Status`	`Completed`
`Currency`	`AUD`
`Gross`	`5,99`
`Fee`	`-0,51`
`Net`	`5,48`
`Transaction ID`	`1EG89019681749326`
`Custom Number`	`019a3c8f-61cf-73bb-9660-8266d915e1c5~1837173`
`Balance Impact`	`Credit`
`Transaction Event Code`	`T0006`

The Custom Number contains the NjiaPay intent_id~attempt_id, which is how NjiaPay matches this row to its internal records. Fee = -0.51 means PayPal deducted 0.51 AUD.

PreApproved Payment Bill User Payment

A recurring payment of USD 5.00 from a previously authorized billing agreement.

Column	Value
`Date`	`01/11/2025`
`Time`	`00:43:13`
`Type`	`PreApproved Payment Bill User Payment`
`Status`	`Completed`
`Currency`	`USD`
`Gross`	`5,00`
`Fee`	`-0,47`
`Net`	`4,53`
`Transaction ID`	`9DV83235SS200193D`
`Reference Txn ID`	`B-2HB896571A704752B`
`Custom Number`	`019a3ca7-4da1-72b3-bb33-08ba6d00b567~1837203`
`Transaction Event Code`	`T0003`

The Reference Txn ID starting with B- is the billing agreement ID. Event code T0003 identifies subscription payments.

Payment Refund

A refund of AUD 5.99. Note the negative gross and zero fee (PayPal does not charge for refunds, but also does not return the original fee).

Column	Value
`Date`	`04/04/2024`
`Type`	`Payment Refund`
`Status`	`Completed`
`Currency`	`AUD`
`Gross`	`-5,99`
`Fee`	`0,00`
`Net`	`-5,99`
`Transaction ID`	`8MT95748X9480204S`
`Reference Txn ID`	`2WF31012P6903710S`
`Custom Number`	`018e9e7d-11a7-7b9c-82ac-5085259fd352~47507`
`Balance Impact`	`Debit`
`Transaction Event Code`	`T1107`

The Reference Txn ID points back to the original payment transaction. PayPal refunds the gross amount but keeps the original processing fee.

Payment Reversal

A PayPal-initiated reversal of a USD 3.99 payment. Unlike a refund (merchant-initiated), a reversal is forced by PayPal. The original fee is returned (positive Fee column).

Column	Value
`Date`	`21/04/2024`
`Type`	`Payment Reversal`
`Status`	`Completed`
`Currency`	`USD`
`Gross`	`-3,99`
`Fee`	`0,46`
`Net`	`-3,53`
`Transaction ID`	`7PV48322JD309523R`
`Reference Txn ID`	`8HP53768TB957261U`
`Balance Impact`	`Debit`
`Transaction Event Code`	`T1106`

Note the positive fee (+0.46): PayPal refunds its processing fee on reversals (unlike refunds where the fee is kept).

Chargeback

A customer disputed a USD 40.00 payment through their bank.

Column	Value
`Date`	`23/04/2024`
`Type`	`Chargeback`
`Status`	`Completed`
`Currency`	`USD`
`Gross`	`-40,00`
`Fee`	`0,00`
`Net`	`-40,00`
`Transaction ID`	`57X82829YX751061X`
`Reference Txn ID`	`2JS05600KS297043C`
`Balance Impact`	`Debit`
`Transaction Event Code`	`T1201`

The full amount is debited from your balance. The Reference Txn ID links to the original payment.

Chargeback Reversal

A chargeback of USD 5.00 was overturned in your favour.

Column	Value
`Date`	`22/11/2025`
`Type`	`Chargeback Reversal`
`Status`	`Completed`
`Currency`	`USD`
`Gross`	`5,00`
`Fee`	`0,00`
`Net`	`5,00`
`Transaction ID`	`6JT58612J53416919`
`Reference Txn ID`	`57K27282F5598662J`
`Balance Impact`	`Credit`
`Transaction Event Code`	`T1202`

The full amount is credited back. Track chargeback/reversal pairs by matching Reference Txn ID values.

Hold on Balance for Dispute Investigation

PayPal holds USD 18.88 while investigating a customer dispute. Status is Pending (not Completed) because the hold is ongoing.

Column	Value
`Date`	`02/04/2024`
`Type`	`Hold on Balance for Dispute Investigation`
`Status`	`Pending`
`Currency`	`USD`
`Gross`	`-18,88`
`Net`	`-18,88`
`Transaction ID`	`95Y50797EK1248446`
`Reference Txn ID`	`82P35945NW8424136`
`Balance Impact`	`Debit`
`Transaction Event Code`	`T1110`

This reduces your available balance by 18.88 USD. Track this against the corresponding Cancellation entry (see below).

Cancellation of Hold for Dispute Resolution

The previously held USD 18.88 is released back after the dispute was resolved in your favour.

Column	Value
`Date`	`03/04/2024`
`Type`	`Cancellation of Hold for Dispute Resolution`
`Status`	`Denied`
`Currency`	`USD`
`Gross`	`18,88`
`Net`	`18,88`
`Transaction ID`	`0AN84323EN5744210`
`Reference Txn ID`	`9U577144CX4625409`
`Balance Impact`	`Credit`
`Transaction Event Code`	`T1111`

The Denied status refers to the dispute being denied (customer's claim rejected), not the cancellation being denied. Your funds are restored.

Dispute Fee

PayPal charges a EUR 14.00 fee for handling a dispute.

Column	Value
`Date`	`13/11/2025`
`Type`	`Dispute Fee`
`Status`	`Completed`
`Currency`	`EUR`
`Gross`	`-14,00`
`Net`	`-14,00`
`Transaction ID`	`2RJ731581M062120P`
`Reference Txn ID`	`7205419725663094Y`
`Balance Impact`	`Debit`
`Transaction Event Code`	`T0114`

Dispute fees are separate from the chargeback amount itself. You may see a Chargeback row (losing the payment amount) and a Dispute Fee row (the processing charge) for the same original transaction.

General Withdrawal

A transfer of EUR 11,193.41 from your PayPal balance to your bank account.

Column	Value
`Date`	`01/04/2024`
`Type`	`General Withdrawal`
`Status`	`Completed`
`Currency`	`EUR`
`Gross`	`-11193,41`
`Net`	`-11193,41`
`Transaction ID`	`1ML27081LK778514W`
`Bank Reference ID`	`YYW1033481659015`
`Balance Impact`	`Debit`
`Transaction Event Code`	`T0400`

The Bank Reference ID can be matched against your bank statement. Note the negative amount (money leaving your PayPal balance).

User Initiated Currency Conversion

You converted EUR 3.27 to another currency within your PayPal account.

Column	Value
`Date`	`11/04/2024`
`Type`	`User Initiated Currency Conversion`
`Status`	`Completed`
`Currency`	`EUR`
`Gross`	`-3,27`
`Net`	`-3,27`
`Transaction ID`	`66792544H5811763K`
`Reference Txn ID`	`70213439LB968331P`
`Balance Impact`	`Debit`
`Transaction Event Code`	`T0201`

Currency conversions appear as two rows: one debit from the source currency and one credit to the target currency.

How PayPal Maps to NjiaPay Reports

PayPal Type	NjiaPay Report	`psp_transaction_type`
Express Checkout Payment	Successful Payments	`Express Checkout Payment`
PreApproved Payment Bill User Payment	Successful Payments	`PreApproved Payment Bill User Payment`
Payment Refund	Refunds, Chargebacks & Pending	`Payment Refund`
Payment Reversal	Refunds, Chargebacks & Pending	`Payment Reversal`
Chargeback	Refunds, Chargebacks & Pending	`Chargeback`
Chargeback Reversal	Refunds, Chargebacks & Pending	`Chargeback Reversal`
Hold on Balance for Dispute Investigation	Fees & Settlements	`Hold for Dispute Resolution`
Cancellation of Hold for Dispute Resolution	Fees & Settlements	`Cancellation of Hold for Dispute Resolution`
Dispute Fee	Fees & Settlements	`Dispute Fee`
General Withdrawal	Fees & Settlements	`General Withdrawal`
User Initiated Currency Conversion	Fees & Settlements	`User Initiated Currency Conversion`

The psp_batch_ref for PayPal is the transaction date (e.g. 2025-11-01), since PayPal does not have a batch concept like Adyen.

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