Settlement Reporting

Learn about Bread's Settlement Report and how to reconcile your Bread deposits.

Overview

What is the settlement report?
The Settlement Report provides a detailed csv of funding activity occurring on settled and refunded transactions for a selected time period.

Typically, all settled transactions are funded by Bread on a daily basis. After transactions are settled, funds are expected to appear in your account within 0-2 business days via ACH.

Downloading the Settlement Report

The report can be accessed under the "Reporting" dropdown in the Bread Merchant Portal. After clicking "Download CSV Report", you can download a list of transactions within a 100 day date range.

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Settlement Report Column Definitions

Column NameDescription
ach_effective_dateThe date that funds are deposited in a merchant account
bank_request_date The date and time when Bread requests funds, based on a merchant’s previous day funding events
funding_event_date The date of the funding event action taken by a merchant (settlement or refund)
customer_name The name of the customer associated with the transaction
bread_product The Bread payment product (e.g. "INSTALLMENTS")
bread_transaction_ID A unique ID generated for each Bread transaction
merchant_order_ID An external order ID, sent to Bread in the UPDATE request to Bread's Transaction API
transaction_creation_date The date the transaction was created
transaction_amount The total checkout amount of the transaction
funding_event_type The type of funding event for the transaction (e.g. SETTLE or REFUND)
funding_event_amount The amount that is settled or refunded. A positive amount indicates that the transaction was settled while a negative amount indicates it was refunded
funding_event_fees The positive or negative amount of fees associated with the funding event
transaction_fee Transaction fees associated with the transaction. This value may be 0
total_settled_amount The total positive or negative settled amount deposited or netted on the ach_effective_date
currency Currency of the transaction (USD)
bread_merchant_ID Bread unique ID for a merchant
merchant_nameThe merchant name
location_reference_ID The location ID associated with a merchant. Not all merchants will need a location ID

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Note on Refunds

Refunded amounts are netted from daily ACH payments. Funding event fees on refunds are reflected as positive amounts, as Bread will return fees originally netted from settled transactions.

View and download a sample settlement report HERE