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?
• Referencia sobre las categorías de informes

¿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, obtendrás 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 reembolsos 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:

Nombres de categorías más descriptivos

Les cambiamos el nombre a varios tipos de transacciones de saldo para mayor claridad:

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

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, or validation
• Secciones del informe mensual: Payments (cards), Payments (other)

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. A charge_failure will appear if the pending payment later fails.

• Tipos de transacciones de saldo: payment_failure_refund
• Secciones del informe mensual: Other Adjustments

dispute

When a customer disputes a charge, Stripe deducts the disputed amount from your balance.

• Tipos de transacciones de saldo: adjustmentor adjusted_for_overdraft_transaction
• Secciones del informe mensual: Disputes

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

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 a partial_capture_reversal for the uncaptured portion.

• Tipos de transacciones de saldo: refund
• Secciones del informe mensual: Payments (cards)

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: refundor payment_refund
• Secciones del informe mensual: Refunds (cards), Refunds (other)

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

Balance-related reporting categories

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

climate_order_purchase

Funds used to purchase carbon removal units from Frontier Climate.

• Tipos de transacciones de saldo: climate_order_purchaseor climate_reservation_purchase
• Secciones del informe mensual: Other Adjustments

climate_order_refund

Funds refunded to your balance when a Climate Order is canceled.

• Tipos de transacciones de saldo: climate_order_refundor climate_reservation_refund
• Secciones del informe mensual: Other Adjustments

contribution

Funds contributed via Stripe to a cause (currently Stripe Climate).

• Tipos de transacciones de saldo: contribution
• Secciones del informe mensual: Other Adjustments

currency_conversion

Adjustment to your Stripe balance related to currency conversion.

• Tipos de transacciones de saldo: currency_conversion
• Secciones del informe mensual: Other Adjustments

fee

Fees for Stripe software and services (e.g., for Radar, Connect, Billing, and Identity).

• Tipos de transacciones de saldo: stripe_fee
• Secciones del informe mensual: Other Adjustments

other_adjustment

Miscellaneous adjustments to your Stripe balance.

• Tipos de transacciones de saldo: adjustment, obligation_outbound, or obligation_reversal_inbound
• Secciones del informe mensual: Other Adjustments

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

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

payout

Payouts from your Stripe balance to your bank account.

• Tipos de transacciones de saldo: payout
• Secciones del informe mensual: Payouts and Transfers

payout_minimum_balance_hold

Minimum balance held from a payout.

• Tipos de transacciones de saldo: payout_minimum_balance_hold
• Secciones del informe mensual: Payout minimum balance hold

payout_minimum_balance_release

Minimum balance released after a payout.

• Tipos de transacciones de saldo: payout_minimum_balance_release
• Secciones del informe mensual: Payout minimum balance release

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_cancelor payout_failure
• Secciones del informe mensual: Payouts and Transfers: Failures and Refunds

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

stripe_balance_payment_debit

Created when a payment initiated by another Stripe account deducts funds from your account balance.

• Tipos de transacciones de saldo: stripe_balance_payment_debit
• Secciones del informe mensual: Other Adjustments

stripe_balance_payment_debit_reversal

Created when a payment initiated by another Stripe account is refunded to your account balance.

• Tipos de transacciones de saldo: stripe_balance_payment_debit_reversal
• Secciones del informe mensual: Other Adjustments

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

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

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

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

Issuing-related reporting categories

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 type issuing_authorization_hold.

• Tipos de transacciones de saldo: issuing_authorization_hold
• Secciones del informe mensual: Other Adjustments

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 a issuing_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 type issuing_transaction.

• Tipos de transacciones de saldo: issuing_authorization_release
• Secciones del informe mensual: Other Adjustments

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

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

issuing_dispute_fraud_liability_debit

Funds deducted from your account to cover fraud loss liability

• Tipos de transacciones de saldo: issuing_dispute_fraud_liability_debit
• Secciones del informe mensual: Other Adjustments

issuing_dispute_provisional_credit

Provisional Credit granted to Issuing balance

• Tipos de transacciones de saldo: issuing_dispute_provisional_credit
• Secciones del informe mensual: Other Adjustments

issuing_dispute_provisional_credit_reversal

Previous Provisional Credit being reversed from Issuing balance

• Tipos de transacciones de saldo: issuing_dispute_provisional_credit_reversal
• Secciones del informe mensual: Other Adjustments

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

Connect-related reporting categories

advance

Incrementing funds as part of an advance operation to change the date that funds settle to your balance. For example, this can occur when you create an instant payout and the requested payout amount is greater than your available balance. Funds are credited to a new available_on date and debited from the original available_on date to cover the difference.

• Tipos de transacciones de saldo: advance
• Secciones del informe mensual: Other Adjustments

advance_funding

Decrementing funds as part of an advance operation to change the date that funds settle to your balance. For example, this can occur when you create an instant payout and the requested payout amount is greater than your available balance. Funds are credited to a new available_on date and debited from the original available_on date to cover the difference.

• Tipos de transacciones de saldo: advance_funding
• Secciones del informe mensual: Other Adjustments

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

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

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

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

transfer

Funds sent from your balance to the balance of your connected accounts.

• Tipos de transacciones de saldo: transferor recipient_transfer
• Secciones del informe mensual: Payouts and Transfers

transfer_reversal

Transfers to your connected accounts that have been cancelled.

• Tipos de transacciones de saldo: transfer_cancel, transfer_refund, recipient_transfer_cancel, or recipient_transfer_failure
• Secciones del informe mensual: Payouts and Transfers: Failures and Refunds