# Informe de resumen de saldo

Concilia el saldo de Stripe y descarga el historial de transacciones por categoría.

El [informe de resumen de saldo](https://dashboard.stripe.com/reports/balance) funciona como un extracto bancario y te ayuda a conciliar el saldo de Stripe al final de cada mes. Puedes exportar un archivo CSV detallado con todo tu historial de transacciones, incluidos los metadatos personalizados asociados. Las transacciones aparecen en la moneda de liquidación después de realizar las conversiones de moneda extranjera necesarias.

Este informe no asocia las transferencias con las transacciones de pago. Incluye todas las transacciones y transferencias que tuvieron lugar durante el período seleccionado. Si utilizas transferencias automáticas y necesitas conciliar las transacciones asociadas con cada transferencia, utiliza el [informe de conciliación de transferencias](https://docs.stripe.com/reports/payout-reconciliation.md). Este informe incluye transacciones anteriores al período seleccionado que están asociadas con transferencias realizadas durante dicho período. Para comparar los tipos de informes, consulta [Seleccionar un informe](https://docs.stripe.com/reports/select-a-report.md#reconciliation).

## Exportar datos

Puedes exportar el informe de resumen de saldo en formato PDF o CSV.

### Exportar PDF

Para exportar un PDF de resumen, haz clic en **Exportar** en la esquina superior derecha de la sección **Resumen de saldo** o **Cambio de saldo por actividad** y, luego, selecciona **PDF**. Si se solicita, selecciona **Resumen**.

Un PDF de resumen incluye datos de resumen completos de las secciones **Resumen de saldo**, **Cambio de saldo por actividad** y **Payouts**.

Para incluir datos detallados de las transacciones, haz clic en **Exportar** en la sección **Cambio de saldo por actividad**, selecciona **PDF** y, luego, **Detallado**. Un PDF detallado incluye los mismos datos completos del resumen, además de las primeras 5000 filas de datos detallados de **Cambio de saldo por actividad**. Para exportar todas las filas detalladas, exporta los datos como un archivo CSV.

La exportación a PDF no está disponible para las cuentas de Stripe con sede en India.

### Exportar a CSV

Para exportar datos de una sección del informe como archivo CSV, haz clic en **Exportar** en la esquina superior derecha de la sección y selecciona **CSV**. Los archivos CSV solo contienen datos de la sección donde inicias la exportación.

La sección **Resumen de saldo** solo proporciona un archivo CSV de resumen. Las secciones **Cambio de saldo por actividad** y **Payouts** ofrecen dos formatos de informe:

### Personalizar las columnas exportadas

Puedes personalizar las columnas que aparecen en los informes cuando los exportas desde el Dashboard o mediante la [API de informes](https://docs.stripe.com/reports/api.md). A continuación, se describen las columnas disponibles en cada tipo de informe.

### Balance Summary

API report type: balance.summary.2

| Column name | Default | Description |
| --- | --- | --- |
| category | ✓ | One of `starting_balance`, `ending_balance`, `activity` or `payouts`. |
| currency | ✓ | Three-letter [ISO code for the currency](https://stripe.com/docs/currencies) in which `net_amount` is defined. |
| description | ✓ | One of `Starting balance (YYYY-MM-DD)` - the balance at the start of the period, `Activity` - the net amount of all transactions that affected your balance except for payouts, `Total payouts` - the amount of payouts to your bank account, or `Ending balance (YYYY-MM-DD)` - the balance left over at the end of the period after subtracting payouts from the `Starting balance` and `Activity`. |
| net_amount | ✓ | Net amount for the transactions associated with `category`. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |

### Balance change from activity summary

API report type: balance_change_from_activity.summary.2

| Column name | Default | Description |
| --- | --- | --- |
| count | ✓ | The number of transactions associated with the `reporting_category`. |
| currency | ✓ | Three-letter [ISO code for the currency](https://stripe.com/docs/currencies) in which `gross`, `fee` and `net` are defined. |
| fee | ✓ | Sum of the fees paid for the transactions associated with the `reporting_category`. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| gross | ✓ | Sum of the gross amounts of the transactions associated with the `reporting_category`. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| net | ✓ | Sum of the net amounts for the transactions associated with the `reporting_category`. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| reporting_category | ✓ | [Reporting Category](https://stripe.com/docs/reporting/reporting-categories) is a new categorization of balance transactions, meant to improve on the current `type` field. |

### Itemized balance change from activity

API report type: balance_change_from_activity.itemized.7

| Column name | Default | Description |
| --- | --- | --- |
| application_fee |  | Application fee paid to your platform, only relevant for standard connected accounts. |
| automatic_payout_effective_at |  | The date we expect this [automatic payout](https://stripe.com/docs/payouts#payout-schedule) to arrive in your bank account, in the requested timezone, or UTC if not provided. This is also when the paid-out funds are deducted from your Stripe balance. |
| automatic_payout_effective_at_utc |  | The date we expect this [automatic payout](https://stripe.com/docs/payouts#payout-schedule) to arrive in your bank account, in UTC. This is also when the paid-out funds are deducted from your Stripe balance. |
| automatic_payout_id |  | ID of the automatically created payout associated with this balance transaction (only set if your account is on an [automatic payout schedule](https://stripe.com/docs/payouts#payout-schedule)). |
| available_on | ✓ | The date the balance transaction's net funds will become available in the Stripe balance. Dates in the requested timezone, or UTC if not provided. |
| available_on_utc |  | The date the balance transaction's net funds will become available in the Stripe balance. Dates in UTC. |
| balance_transaction_id | ✓ | Unique identifier for the balance transaction. |
| balance_type |  | The type of balance this transaction belongs to (for example, payments, issuing, corporate_card). |
| card_address_city |  | City of the card address associated with this charge, if any |
| card_address_country |  | Country of the card address associated with this charge, if any |
| card_address_line1 |  | First line of the card address associated with this charge, if any |
| card_address_line2 |  | Second line of the card address associated with this charge, if any |
| card_address_postal_code |  | Postal code of the card address associated with this charge, if any |
| card_address_state |  | State of the card address associated with this charge, if any |
| card_brand |  | [Card brand](https://stripe.com/docs/api#card_object-brand), if applicable. |
| card_country |  | Two-letter ISO code representing the country of the card. |
| card_funding |  | Card [funding type](https://stripe.com/docs/api#account_card_object-funding), if applicable. |
| card_network |  | Card network, if applicable. |
| charge_created |  | Creation time of the original charge associated with this balance transaction. Available for charges, refunds and disputes. For charges that were separately authorized and captured, this is the authorization time.  Dates in the requested timezone, or UTC if not provided. |
| charge_created_utc |  | Creation time of the original charge associated with this balance transaction. Available for charges, refunds and disputes. For charges that were separately authorized and captured, this is the authorization time.  Dates in UTC. |
| charge_id |  | Unique identifier for the original charge associated with this balance transaction. Available for charges, refunds and disputes. |
| connected_account_country |  | For Stripe Connect activity related to a connected account, the two-letter ISO code representing the country of the account. |
| connected_account_direct_charge_id |  | (Beta) For Stripe Connect activity related to a connected account, charge id of the direct charge that happened on connected account. |
| connected_account_id |  | For Stripe Connect activity related to a connected account, the unique ID for the account. |
| connected_account_name |  | For Stripe Connect activity related to a connected account, the name of the account. |
| created | ✓ | Time at which the balance transaction was created. Dates in the requested timezone, or UTC if not provided. |
| created_utc |  | Time at which the balance transaction was created. Dates in UTC. |
| currency | ✓ | Three-letter [ISO code for the currency](https://stripe.com/docs/currencies) in which `gross`, `fee` and `net` are defined. |
| customer_address_city |  | City of the customer address associated with this charge, if any |
| customer_address_country |  | Country of the customer address associated with this charge, if any |
| customer_address_line1 |  | First line of the customer address associated with this charge, if any |
| customer_address_line2 |  | Second line of the customer address associated with this charge, if any |
| customer_address_postal_code |  | Postal code of the customer address associated with this charge, if any |
| customer_address_state |  | State of the customer address associated with this charge, if any |
| customer_description |  | Description provided when creating the customer, often used to store the customer name. |
| customer_email |  | Email address of the customer, if any, associated with this balance transaction. |
| customer_facing_amount |  | For transactions associated with charges, refunds, or disputes, the amount of the original charge, refund, or dispute. If the customer was charged in a different currency than your account's default, this field will reflect the amount as seen by the customer. |
| customer_facing_currency |  | For transactions associated with charges, refunds, or disputes, the three-letter [ISO currency code](https://stripe.com/docs/currencies) for `customer_facing_amount`. |
| customer_id |  | The unique ID of the related customer, if any. |
| customer_name |  | Name of the customer, if any, associated with this balance transaction. |
| customer_shipping_address_city |  | City of the customer shipping address associated with this charge, if any |
| customer_shipping_address_country |  | Country of the customer shipping address associated with this charge, if any |
| customer_shipping_address_line1 |  | First line of the customer shipping address associated with this charge, if any |
| customer_shipping_address_line2 |  | Second line of the customer shipping address associated with this charge, if any |
| customer_shipping_address_postal_code |  | Postal code of the customer shipping address associated with this charge, if any |
| customer_shipping_address_state |  | State of the customer shipping address associated with this charge, if any |
| description | ✓ | An arbitrary string attached to the balance transaction. Often useful for displaying to users. |
| dispute_reason |  | Reason given by cardholder for dispute. Read more about [dispute reasons](https://stripe.com/docs/disputes/categories). |
| fee | ✓ | Fees paid for this transaction. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| fee_net_of_withheld_tax |  | The Stripe processing fee after removing withheld tax. Calculated as fee minus withheld_tax — represents Stripe's actual processing charge excluding any tax withheld. |
| fee_transaction_id |  | Fee Transaction ID associated with the credit. |
| gross | ✓ | Gross amount of the transaction. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| invoice_id |  | Unique ID for the invoice associated with this balance transaction. Available for charges, refunds, and disputes made in connection with a Stripe Billing invoice. |
| invoice_number |  | Number for the invoice associated with this balance transaction. Available for charges, refunds, and disputes made in connection with a Stripe Billing invoice. |
| is_link |  | Whether or not the payment was made using Link. |
| is_managed_payments |  | Whether this transaction was processed through Stripe Managed Payments. True when the charge was handled via Stripe Managed Payments, regardless of whether any tax was withheld. |
| net | ✓ | Net amount of the transaction. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| payment_intent_id |  | The unique ID of the related Payment Intent, if any. |
| payment_metadata[key] |  | Metadata associated with the related PaymentIntent, if any. If no PaymentIntent metadata exists, metadata from any related charge object will be returned. API requests including this column must specify a metadata key in brackets. This column can be specified multiple times to retrieve data from additional metadata keys. |
| payment_method_type |  | The type of payment method used in the related payment. |
| payout_reference_token |  | A unique reference token that displays on the beneficiary's bank statement. |
| payout_statement_descriptor |  | Extra information that displays on the recipient's bank statement. Most banks truncate this information and display it inconsistently. Some banks might not display it at all. |
| refund_metadata[key] |  | Metadata associated with the related refund object, if any. API requests including this column must specify a metadata key in brackets. This column can be specified multiple times to retrieve data from additional metadata keys. |
| regulatory_tag |  | ​​An identifier reflecting the classification of this transaction according to local regulations, if applicable. Accounts with automatic payouts enabled receive a separate payout for each regulatory tag. ​​This column is only populated for Brazilian accounts. |
| reporting_category | ✓ | [Reporting Category](https://stripe.com/docs/reporting/reporting-categories) is a new categorization of balance transactions, meant to improve on the current `type` field. |
| shipping_address_city |  | City of the shipping address associated with this charge, if any |
| shipping_address_country |  | Country of the shipping address associated with this charge, if any |
| shipping_address_line1 |  | First line of the shipping address associated with this charge, if any |
| shipping_address_line2 |  | Second line of the shipping address associated with this charge, if any |
| shipping_address_postal_code |  | Postal code of the shipping address associated with this charge, if any |
| shipping_address_state |  | State of the shipping address associated with this charge, if any |
| source_id |  | The Stripe object to which this transaction is related. |
| statement_descriptor |  | The dynamic statement descriptor or suffix specified when the related charge was created. |
| subscription_id |  | Unique ID for the subscription associated with this balance transaction. Available for charges, refunds, and disputes made in connection with a Stripe Billing subscription. |
| trace_id |  | [Trace ID](https://stripe.com/docs/payouts/trace-id) is a unique identifier generated by bank for the Stripe payouts. Used by banks to locate specific transfers, sometimes referred to as a Reference number. |
| trace_id_status |  | The status of the trace ID. Either `pending`, `unsupported` or `supported`. |
| transfer_metadata[key] |  | Metadata associated with the related transfer object, if any. API requests including this column must specify a metadata key in brackets. This column can be specified multiple times to retrieve data from additional metadata keys. |
| withheld_tax |  | Sales tax, VAT or GST withheld. This amount is already included within the fee column. |

### Payouts summary

API report type: payouts.summary.2

| Column name | Default | Description |
| --- | --- | --- |
| count | ✓ | The number of transactions associated with the `reporting_category`. |
| currency | ✓ | Three-letter [ISO code for the currency](https://stripe.com/docs/currencies) in which `gross`, `fee` and `net` are defined. |
| fee | ✓ | Sum of the fees paid for the transactions associated with the `reporting_category`. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| gross | ✓ | Sum of the gross amounts of the transactions associated with the `reporting_category`. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| net | ✓ | Sum of the net amounts for the transactions associated with the `reporting_category`. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| reporting_category | ✓ | [Reporting Category](https://stripe.com/docs/reporting/reporting-categories) is a new categorization of balance transactions, meant to improve on the current `type` field. |

### Itemized payouts

API report type: payouts.itemized.5

| Column name | Default | Description |
| --- | --- | --- |
| application_fee |  | Application fees paid to your platform, only relevant for users on Standard connected accounts. |
| balance_transaction_id | ✓ | Unique identifier for the balance transaction. |
| currency | ✓ | Three-letter [ISO code for the currency](https://stripe.com/docs/currencies) in which `gross`, `fee` and `net` are defined. |
| description | ✓ | An arbitrary string attached to the balance transaction. Often useful for displaying to users. |
| effective_at | ✓ | For [automatic payouts](https://stripe.com/docs/payouts#payout-schedule), this is the date we expect funds to arrive in your bank account. For [manual payouts](https://stripe.com/docs/payouts#manual-payouts), this is the date the payout was initiated. In both cases, it's the date the paid-out funds are deducted from your Stripe balance. All dates in the requested timezone, or UTC if not provided. |
| effective_at_utc |  | For [automatic payouts](https://stripe.com/docs/payouts#payout-schedule), this is the date we expect funds to arrive in your bank account. For [manual payouts](https://stripe.com/docs/payouts#manual-payouts), this is the date the payout was initiated. In both cases, it's the date the paid-out funds are deducted from your Stripe balance. All dates in UTC. |
| fee | ✓ | Fees paid for this transaction. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| gross | ✓ | Gross amount of the transaction. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| net | ✓ | Net amount of the transaction. Expressed in major units of the currency (e.g. dollars for USD, yen for JPY). |
| payout_description |  | An arbitrary string attached to the payout. Often useful for displaying to users. |
| payout_destination_id |  | ID of the bank account or card the payout was sent to. |
| payout_expected_arrival_date | ✓ | Date the payout is scheduled to arrive in the bank. This factors in delays like weekends or bank holidays. |
| payout_id | ✓ | The Stripe object to which this transaction is related. |
| payout_reversed_at |  | Typically this field will be empty. However, if the payout's status is `canceled` or `failed`, this field will reflect the time at which it entered that status. Times in the requested timezone, or UTC if not provided. |
| payout_reversed_at_utc |  | Typically this field will be empty. However, if the payout's status is `canceled` or `failed`, this field will reflect the time at which it entered that status. Times in UTC. |
| payout_status | ✓ | Current status of the payout (`paid`, `pending`, `in_transit`, `canceled` or `failed`). A payout will be `pending` until it is submitted to the bank, at which point it becomes `in_transit`. It will then change to `paid` if the transaction goes through. If it does not go through successfully, its status will change to `failed` or `canceled`. |
| payout_type |  | Can be `bank_account` or `card`. |
| regulatory_tag |  | ​​An identifier reflecting the classification of this transaction according to local regulations, if applicable. Accounts with automatic payouts enabled receive a separate payout for each regulatory tag. ​​This column is only populated for Brazilian accounts. |
| reporting_category | ✓ | [Reporting Category](https://stripe.com/docs/reporting/reporting-categories) is a new categorization of balance transactions, meant to improve on the current `type` field. |
| trace_id |  | [Trace ID](https://stripe.com/docs/payouts/trace-id) is a unique identifier generated by bank for the Stripe payouts. Used by banks to locate specific transfers, sometimes referred to as a Reference number. |
| trace_id_status |  | The status of the trace ID. Either `pending`, `unsupported` or `supported`. |

### Columnas adicionales

Los informes desglosados que puedes descargar desde el Dashboard incluyen las siguientes columnas adicionales:

### Columnas adicionales para informes desglosados

- **ID de producto**: los identificadores únicos de los productos asociados a la transacción.
- **Nombres de producto**: los nombres de los productos asociados a la transacción.
- **País**: el país asociado a la transacción. Para pagos con tarjeta, es el país de emisión de la tarjeta o el país de la dirección de facturación. Para métodos de pago locales, se infiere a partir del tipo de método de pago. Para métodos de pago multirregionales, como Zona Única de Pagos en Euros (SEPA) o PayPal, el valor predeterminado es el país de tu cuenta.

## Programa informes

Si descargas con frecuencia el mismo informe, puedes programar las exportaciones de informes para que se realicen diaria, semanal o mensualmente. Obtén información sobre cómo [configurar informes programados](https://docs.stripe.com/reports/options.md#scheduled-reports).

## Secciones del informe

Usa los [controles](https://docs.stripe.com/reports/options.md) para seleccionar el rango de fechas, la moneda y la zona horaria de tu informe. En la siguiente tabla se describe cada sección del informe:

| Sección | Descripción |
| --- | --- |
| **Resumen de saldo** | Muestra el saldo de Stripe al principio y al final del intervalo de tiempo seleccionado, junto con un resumen general de tu actividad durante ese período. Tu saldo incluye fondos disponibles, pendientes y reservados (si corresponde). |
| **Cambio del saldo por actividad** | Muestra un desglose detallado de tus transacciones por [categoría de informes](https://docs.stripe.com/reports/reporting-categories.md). Esta sección incluye todas las transacciones que afectan tu saldo, excepto las transferencias: cargos, reembolsos, disputas, otros ajustes y comisiones. |
| **Payouts** | Muestra la cantidad y el importe total de las transferencias a tu cuenta bancaria durante el período. Haz clic en **Exportar** y descarga una lista de las transacciones de transferencias individuales. |

> #### Plataformas Connect
> 
> El desglose de la actividad solo está disponible cuando una plataforma Connect consulta el informe de su cuenta de plataforma. Los importes reflejan la actividad del saldo de Stripe de la cuenta de plataforma; el desglose de la actividad no está disponible para los informes correspondientes a cuentas conectadas. En la sección **Cambio de saldo por actividad**, haz clic en un importe para consultar los totales resumidos y auditar las transacciones individuales. Obtén más información sobre el [desglose de actividad](https://docs.stripe.com/reports/activity-breakdown.md).

## Terminología de los informes

El resumen de saldo usa las [Transacciones de saldo](https://docs.stripe.com/api/balance_transactions/object.md) para calcular los saldos de apertura y cierre, tanto pendientes como disponibles, del período de informes seleccionado. Utiliza dos fechas:

- **Creado:** cuando una transacción comienza a afectar tu saldo de Stripe. Para los pagos, esta acción suele suceder después de la captura. La creación de un `PaymentIntent` no afecta tu saldo.
- **Disponible desde:** momento en que el importe neto de una transacción pasa de pendiente a disponible. Por lo general, puedes utilizar los fondos disponibles para transferencias, reembolsos, transferencias de fondos y otros débitos del saldo.

Un `PaymentIntent` con un [estado de procesamiento](https://docs.stripe.com/payments/paymentintents/lifecycle.md) significa que Stripe aún está determinando si el pago se realizará correctamente o fallará. Esto no significa que los fondos estén en tu saldo pendiente. Los fondos aparecen en tu saldo pendiente solo después de que Stripe crea una transacción de saldo para el pago. Permanecen pendientes hasta la fecha indicada en **Disponible desde** de la transacción.

## Períodos de informe y disponibilidad de datos

Stripe agrupa la actividad de la cuenta por día calendario según la zona horaria seleccionada para el informe, desde las 12:00 a. m. hasta las 11:59 p. m. Los datos completos de cada día aparecen en la pestaña **Resumen de saldo** antes de las 12:00 p. m. del mediodía del día siguiente, según la zona horaria seleccionada. Por ejemplo, la actividad del 16 de septiembre de 2025 está disponible antes de las 12:00 p. m. del mediodía del 17 de septiembre de 2025, según la zona horaria seleccionada.

Los informes del Dashboard incluyen solo días completos. Para generar informes sobre una parte de un día, usa la [API de informes](https://docs.stripe.com/reports/api.md).

Para las integraciones de API, Stripe envía eventos de webhook cuando hay nuevos datos de informes disponibles, a las 12:00 a. m. UTC y a las 12:00 p. m. UTC. Obtén más información sobre los [patrones de integración de la API de informes](https://docs.stripe.com/reports/api.md).