Categorías y tipos de presentación de informes
Conoce mejor el campo reporting_category
en los objetos BalanceTransaction
y cómo difieren de type
y otras categorizaciones. Este tema habla sobre:
¿Por qué introducir una nueva categorización?
El campo reporting_category
del objeto BalanceTransaction
perfecciona el campo type
al proporcionar un agrupamiento más útil de los datos para la mayoría de los fines financieros y de información. Las siguientes secciones resaltan las ventajas de este nuevo campo.
Desglose más detallado de type=adjustment
El atributo reporting_category
separa las transacciones de saldo con type=adjustment
en varias categorías diferentes, entre las que se incluyen disputas, anulaciones de disputas y rembolsos fallidos. Además, ahora hay varios tipos de comisiones y de rembolsos de comisiones de la plataforma Connect categorizados expresamente como reporting_category=fee
.
Una categoría separada para anulaciones de capturas parciales
Si autorizas y capturas pagos por separado, y capturas un importe inferior al de la autorización inicial, verás dos transacciones de saldo: una por el importe total autorizado y otra que anula la parte no capturada. (Si sumas las dos transacciones de saldo, obtienes la parte capturada del cargo).
La transacción de saldo que anula la parte no capturada tiene type=refund
, como si hubieses rembolsado una parte de la compra con posterioridad. Para poder gestionar estos objetos por separado (quizás imputándolos al importe inicial de venta en lugar de como un rembolso separado), los rotulamos con la categoría diferenciada de informe partial_capture_reversal
.
Consolidar varios tipos en categorías comunes
Si se usa el campo type
, las transacciones de saldo derivadas de cargos con tarjeta se representan con type=charge
, mientras que las transacciones realizadas con otros métodos de pago se representan con type=payment
. Del mismo modo, los rembolsos y los pagos con tarjeta fallidos, en contraposición con otros métodos de pago, tienen los tipos diferenciados refund
y payment_refund
.
Nos dimos cuenta de que estas distinciones complicaban innecesariamente muchas de las tareas de informes habituales. Por ello, reporting_category
simplifica estos (y otros) grupos de tipos de la siguiente manera:
Tipos de transacciones de saldo | Categoría de informes |
---|---|
charge , payment | charge |
refund , payment_refund | refund |
payout_cancel , payout_failure | payout_reversal |
transfer , recipient_transfer | transfer |
transfer_cancel , transfer_failure , recipient_transfer_cancel , recipient_transfer_failure | transfer_reversal |
Nombres de categorías más descriptivos
Les cambiamos el nombre a varios tipos de transacciones de saldo para mayor claridad:
Tipo de transacciones de saldo | Categoría de informes |
---|---|
application_fee | platform_earning |
application_fee_refund | platform_earning_refund |
stripe_fee | fee |
reserve_transaction | connect_reserved_funds |
reserved_funds | risk_reserved_funds |
Referencia sobre las categorías de informes
Esta referencia habla de cuatro grupos de categorías de informes:
- Payments-related reporting categories
- Balance-related reporting categories
- Issuing-related reporting categories
- Connect-related reporting categories
Payments-related reporting categories
These reporting categories are related to creating and refunding charges as part of processing payments.
charge
Charges include payments from cards and from other payment methods. If you are separately authorizing and capturing payments, only the captured charges will be included here.
- Tipos de transacciones de saldo:
charge
,payment
, orvalidation
- Secciones del informe mensual: Payments (cards), Payments (other)
- Tipos de transacciones de saldo:
charge_failure
ACH, direct debit, and other asynchronous payment methods remain in a pending state until they either succeed or fail. You will see a pending balance transaction with the reporting category
charge
appear when the payment is created in a pending state. Acharge_failure
will appear if the pending payment later fails.- Tipos de transacciones de saldo:
payment_failure_refund
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
dispute
When a customer disputes a charge, Stripe deducts the disputed amount from your balance.
- Tipos de transacciones de saldo:
adjustment
oradjusted_for_overdraft_transaction
- Secciones del informe mensual: Disputes
- Tipos de transacciones de saldo:
dispute_reversal
When you win a dispute, the disputed amount is returned to your balance.
- Tipos de transacciones de saldo:
adjustment
- Secciones del informe mensual: Dispute Reversals
- Tipos de transacciones de saldo:
partial_capture_reversal
If you are separately authorizing and capturing payments, and you capture an amount less than the initial authorization, you will see a
charge
for the full authorization amount, and apartial_capture_reversal
for the uncaptured portion.- Tipos de transacciones de saldo:
refund
- Secciones del informe mensual: Payments (cards)
- Tipos de transacciones de saldo:
refund
Payments you’ve refunded to your customers. (Does not include charge failures or partial capture reversals, which are listed separately.)
- Tipos de transacciones de saldo:
refund
orpayment_refund
- Secciones del informe mensual: Refunds (cards), Refunds (other)
- Tipos de transacciones de saldo:
refund_failure
Created when a credit card charge refund fails, and Stripe returns the funds to your balance.
This may occur if your customer’s bank or card issuer is unable to correctly process a refund (e.g., due to a closed bank account or a problem with the card).
- Tipos de transacciones de saldo:
refund_failure
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
Balance-related reporting categories
These reporting categories are related to changes that affect your Stripe balance, such as payouts, fees, and top-ups.
anticipation_repayment
Repayments made to service an anticipation loan in Brazil. These repayments go to the financial institution to whom you have sold your receivables.
- Tipos de transacciones de saldo:
anticipation_repayment
- Secciones del informe mensual: Anticipation Repayments
- Tipos de transacciones de saldo:
climate_order_purchase
Funds used to purchase carbon removal units from Frontier Climate.
- Tipos de transacciones de saldo:
climate_order_purchase
orclimate_reservation_purchase
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
climate_order_refund
Funds refunded to your balance when a Climate Order is canceled.
- Tipos de transacciones de saldo:
climate_order_refund
orclimate_reservation_refund
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
contribution
Funds contributed via Stripe to a cause (currently Stripe Climate).
- Tipos de transacciones de saldo:
contribution
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
fee
- Tipos de transacciones de saldo:
stripe_fee
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
other_adjustment
Miscellaneous adjustments to your Stripe balance.
- Tipos de transacciones de saldo:
adjustment
,obligation_outbound
, orobligation_reversal_inbound
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
payment_network_reserve_hold
Funds that a payment network holds in reserve (e.g. to mitigate risk).
- Tipos de transacciones de saldo:
payment_network_reserve_hold
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
payment_network_reserve_release
Funds that a payment network releases from a reserve.
- Tipos de transacciones de saldo:
payment_network_reserve_release
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
payout
Payouts from your Stripe balance to your bank account.
- Tipos de transacciones de saldo:
payout
- Secciones del informe mensual: Payouts and Transfers
- Tipos de transacciones de saldo:
payout_reversal
Funds returned to your balance if a payout fails after it is initially created (e.g., due to an invalid account number or a cancellation). Learn more.
- Tipos de transacciones de saldo:
payout_cancel
orpayout_failure
- Secciones del informe mensual: Payouts and Transfers: Failures and Refunds
- Tipos de transacciones de saldo:
risk_reserved_funds
When Stripe holds your funds in reserve to mitigate risk, two balance transactions are created: one to debit the funds from your balance, and a second to credit the funds back to your balance at the end of the reserve period.
- Tipos de transacciones de saldo:
reserved_funds
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
tax
Taxes collected by Stripe to be remitted to the appropriate local governments. Typically, this is a tax on Stripe fees.
- Tipos de transacciones de saldo:
tax_fee
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
topup
Funds you transferred into your Stripe balance from your bank account. Learn more.
- Tipos de transacciones de saldo:
topup
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
topup_reversal
If an initially successful top-up fails or is cancelled, the credit to your Stripe balance is reversed. Learn more.
- Tipos de transacciones de saldo:
topup_reversal
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
unreconciled_customer_funds
When a customer has unreconciled funds within Stripe for more than ninety days, Stripe transfers those funds to your balance.
- Tipos de transacciones de saldo:
transferred_to_balance_transaction
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
Issuing-related reporting categories
These reporting categories are created as part of using the Issuing API.
issuing_authorization_hold
When an issued card is used to make a purchase, an authorization is created. If the authorization is approved, a balance transaction is created with the type
issuing_authorization_hold
to hold the authorized amount in reserve from your account balance, until the authorization is either captured or voided. Some merchants can also update an authorization to request an additional amount (e.g., to extend a hotel booking or add a tip), and this is also represented as a balance transaction with the typeissuing_authorization_hold
.- Tipos de transacciones de saldo:
issuing_authorization_hold
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
issuing_authorization_release
When an authorized purchase, made with an issued card, is captured by the merchant, the funds previously held for the authorization (
issuing_authorization_hold
) are released with aissuing_authorization_release
balance transaction. Simultaneously, an issuing transaction is created, and the purchase amount is deducted from your Stripe balance in another balance transaction with the typeissuing_transaction
.- Tipos de transacciones de saldo:
issuing_authorization_release
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
issuing_disbursement
Credits to your balance for rewards, discounts, and other miscellaneous adjustments.
- Tipos de transacciones de saldo:
issuing_disbursement
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
issuing_dispute
When you dispute an Issuing transaction and funds return to your Stripe balance.
- Tipos de transacciones de saldo:
issuing_dispute
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
issuing_transaction
When an authorized purchase, made with an issued card, has been authorized and captured by the merchant, an issuing transaction is created, and the purchase amount is deducted from your Stripe balance with a
issuing_transaction
balance transaction.- Tipos de transacciones de saldo:
issuing_transaction
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
Connect-related reporting categories
These reporting categories are related to using the Connect API and related APIs, such as instant payouts.
advance
Incrementing available funds for instant payouts. This occurs when you create an instant payout and the requested payout amount is greater than your connected account’s available balance. Funds are added to your available balance and removed from your pending balance to cover the difference.
- Tipos de transacciones de saldo:
advance
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
advance_funding
Decrementing pending funds for instant payouts. This occurs when you create an instant payout and the requested payout amount is greater than your connected account’s available balance. Funds are added to your available balance and removed from your pending balance to cover the difference.
- Tipos de transacciones de saldo:
advance_funding
- Secciones del informe mensual: Other Adjustments
- Tipos de transacciones de saldo:
connect_collection_transfer
If one of your connected accounts has a negative balance for 180 days, Stripe transfers a portion of your balance, to zero out that account’s balance. Learn more.
- Tipos de transacciones de saldo:
connect_collection_transfer
- Secciones del informe mensual: Reflected in "Reserve" section
- Tipos de transacciones de saldo:
connect_reserved_funds
If one of your connected accounts’ balances becomes negative, Stripe temporarily reserves a portion of your balance to ensure that funds can be covered.
If one of your connected accounts’ previously negative balance becomes less negative due to activity on account, another
reserve_transaction
is created to release a corresponding portion of the funds held in reserve. Learn more.- Tipos de transacciones de saldo:
reserve_transaction
- Secciones del informe mensual: Reflected in "Reserve" section
- Tipos de transacciones de saldo:
platform_earning
Earnings you’ve generated by collecting platform fees via Stripe Connect charges.
- Tipos de transacciones de saldo:
application_fee
- Secciones del informe mensual: Application Revenue
- Tipos de transacciones de saldo:
platform_earning_refund
Platform fees that you have returned to your connected accounts.
- Tipos de transacciones de saldo:
application_fee_refund
- Secciones del informe mensual: Application Revenue Returned
- Tipos de transacciones de saldo:
transfer
Funds sent from your balance to the balance of your connected accounts.
- Tipos de transacciones de saldo:
transfer
orrecipient_transfer
- Secciones del informe mensual: Payouts and Transfers
- Tipos de transacciones de saldo:
transfer_reversal
Transfers to your connected accounts that have been cancelled.
- Tipos de transacciones de saldo:
transfer_cancel
,transfer_refund
,recipient_transfer_cancel
, orrecipient_transfer_failure
- Secciones del informe mensual: Payouts and Transfers: Failures and Refunds
- Tipos de transacciones de saldo: