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Every settlement you receive can be made up of one or more collects. To reconcile a settlement, fetch the collects associated with the settlement ID and verify each transaction against its balance transaction details and reconcile if the total collect sum matches the total settlement amount received.

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Reconciling a Settlement

1

Fetch the collects for the settlement

Call the Fetch Collects API with the settlement ID to get the list of collects included in that settlement.
Each entry in the response contains the collect id and its balance_transaction_id. You can get the settlement ID from settlement webhooks or the dashboard.
2

Get the net amount for each collect

From each collect object, take the balance_transaction_id and call the Fetch Balance Transaction API to get the details of the net amount added to your balance and any associated FX.
The balance transaction gives you the full breakdown for that collect:
3

Match the totals

Sum the net amounts across all balance transactions in the settlement and check that the total matches the settlement amount received in your account.If the totals match, the settlement is fully reconciled. If they do not, compare each collect’s net against your records to isolate the transaction causing the difference.
Amounts are integers with 2 implied decimal places - divide by 100 to get the actual value (100000 is USD 1,000.00). See Decimal Currencies. Also ensure you compare net amounts in the same currency - collects in a non-holding currency are converted to your primary holding currency before being credited. See FX.

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See Also

Settlements

The settlement object and how settlements work.

Balance Transactions

Tracking credits and debits across your balances.

FX

When currency conversion happens on incoming collects.

Collect Object

Field-level reference for the collect object.