Kategori dan tipe pelaporan

Pelajari selengkapnya tentang bidang reporting_category di objek BalanceTransaction, dan perbedaannya dengan type dan kategorisasi lainnya. Topik ini mencakup:

• Mengapa kami memperkenalkan kategorisasi baru?
• Referensi kategori pelaporan

Mengapa kami memperkenalkan kategorisasi baru?

Bidang reporting_category objek BalanceTransaction meningkat di bidang type dengan menyediakan pengelompokan yang lebih berguna untuk sebagian besar keperluan keuangan dan pelaporan. Bagian berikut menyoroti keuntungan bidang baru ini.

Perincian yang lebih detail dari type=adjustment

Atribut reporting_category memisahkan transaksi saldo dengan type=adjustment ke dalam beberapa kategori berbeda, termasuk sengketa, pembalikan sengketa, dan pengembalian dana yang gagal. Selain itu, beberapa tipe biaya dan pengembalian dana biaya platform Connect kini secara eksplisit dikategorikan dengan reporting_category=fee.

Kategori terpisah untuk pembalikan penarikan sebagian

Jika Anda mengotorisasi dan menarik pembayaran secara terpisah, dan Anda menarik jumlah yang kurang dari otorisasi awal, Anda akan melihat dua transaksi saldo: satu untuk jumlah penuh otorisasi, dan satu lagi membalikkan bagian yang tidak ditarik. (Menjumlahkan dua transaksi saldo menghasilkan bagian charge yang ditarik.)

Transaksi saldo yang membalikkan bagian yang belum ditarik memiliki type=refund, sama seperti jika Anda telah mengembalikan sebagian dana dari penjualan di lain waktu. Untuk memungkinkan penanganan terpisah atas objek ini—mungkin menghitungnya terhadap jumlah penjualan awal, bukan sebagai pengembalian dana terpisah—kami melabelinya dengan kategori pelaporan yang berbeda partial_capture_reversal.

Konsolidasikan beberapa tipe menjadi kategori umum

Dengan menggunakan bidang type, transaksi saldo yang timbul dari charge berbasis kartu diwakili dengan type=charge, sedangkan transaksi yang dilakukan dengan metode pembayaran lainnya diwakili dengan type=payment. Demikian pula, pengembalian dana dan kegagalan untuk kartu versus metode pembayaran alternatif memiliki tipe refund dan payment_refund yang berbeda.

Kami menemukan bahwa pembedaan ini membuat banyak tugas pelaporan umum menjadi canggung, sehingga reporting_category menyederhanakan kelompok tipe ini (dan lainnya), seperti berikut:

Nama kategori yang lebih deskriptif

Kami mengganti nama beberapa tipe transaksi saldo agar lebih jelas:

Referensi kategori pelaporan

Referensi ini mencakup empat kelompok kategori pelaporan:

• 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.

• Jenis transaksi saldo: charge, payment, or validation
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: payment_failure_refund
• Bagian dalam laporan bulanan: Other Adjustments

dispute

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

• Jenis transaksi saldo: adjustmentor adjusted_for_overdraft_transaction
• Bagian dalam laporan bulanan: Disputes

dispute_reversal

When you win a dispute, the disputed amount is returned to your balance.

• Jenis transaksi saldo: adjustment
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: refund
• Bagian dalam laporan bulanan: Payments (cards)

refund

Payments you’ve refunded to your customers. (Does not include charge failures or partial capture reversals, which are listed separately.)

• Jenis transaksi saldo: refundor payment_refund
• Bagian dalam laporan bulanan: 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).

• Jenis transaksi saldo: refund_failure
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: anticipation_repayment
• Bagian dalam laporan bulanan: Anticipation Repayments

climate_order_purchase

Funds used to purchase carbon removal units from Frontier Climate.

• Jenis transaksi saldo: climate_order_purchaseor climate_reservation_purchase
• Bagian dalam laporan bulanan: Other Adjustments

climate_order_refund

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

• Jenis transaksi saldo: climate_order_refundor climate_reservation_refund
• Bagian dalam laporan bulanan: Other Adjustments

contribution

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

• Jenis transaksi saldo: contribution
• Bagian dalam laporan bulanan: Other Adjustments

fee

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

• Jenis transaksi saldo: stripe_fee
• Bagian dalam laporan bulanan: Other Adjustments

other_adjustment

Miscellaneous adjustments to your Stripe balance.

• Jenis transaksi saldo: adjustment, obligation_outbound, or obligation_reversal_inbound
• Bagian dalam laporan bulanan: Other Adjustments

payment_network_reserve_hold

Funds that a payment network holds in reserve (e.g. to mitigate risk).

• Jenis transaksi saldo: payment_network_reserve_hold
• Bagian dalam laporan bulanan: Other Adjustments

payment_network_reserve_release

Funds that a payment network releases from a reserve.

• Jenis transaksi saldo: payment_network_reserve_release
• Bagian dalam laporan bulanan: Other Adjustments

payout

Payouts from your Stripe balance to your bank account.

• Jenis transaksi saldo: payout
• Bagian dalam laporan bulanan: Payouts and Transfers

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.

• Jenis transaksi saldo: payout_cancelor payout_failure
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: reserved_funds
• Bagian dalam laporan bulanan: Other Adjustments

tax

Taxes collected by Stripe to be remitted to the appropriate local governments. Typically, this is a tax on Stripe fees.

• Jenis transaksi saldo: tax_fee
• Bagian dalam laporan bulanan: Other Adjustments

topup

Funds you transferred into your Stripe balance from your bank account. Learn more.

• Jenis transaksi saldo: topup
• Bagian dalam laporan bulanan: Other Adjustments

topup_reversal

If an initially successful top-up fails or is cancelled, the credit to your Stripe balance is reversed. Learn more.

• Jenis transaksi saldo: topup_reversal
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: transferred_to_balance_transaction
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: issuing_authorization_hold
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: issuing_authorization_release
• Bagian dalam laporan bulanan: Other Adjustments

issuing_disbursement

Credits to your balance for rewards, discounts, and other miscellaneous adjustments.

• Jenis transaksi saldo: issuing_disbursement
• Bagian dalam laporan bulanan: Other Adjustments

issuing_dispute

When you dispute an Issuing transaction and funds return to your Stripe balance.

• Jenis transaksi saldo: issuing_dispute
• Bagian dalam laporan bulanan: Other Adjustments

issuing_dispute_fraud_liability_debit

Funds deducted from your account to cover fraud loss liability

• Jenis transaksi saldo: issuing_dispute_fraud_liability_debit
• Bagian dalam laporan bulanan: Other Adjustments

issuing_dispute_provisional_credit

Provisional Credit granted to Issuing balance

• Jenis transaksi saldo: issuing_dispute_provisional_credit
• Bagian dalam laporan bulanan: Other Adjustments

issuing_dispute_provisional_credit_reversal

Previous Provisional Credit being reversed from Issuing balance

• Jenis transaksi saldo: issuing_dispute_provisional_credit_reversal
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: issuing_transaction
• Bagian dalam laporan bulanan: Other Adjustments

Connect-related reporting categories

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.

• Jenis transaksi saldo: advance
• Bagian dalam laporan bulanan: Other Adjustments

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.

• Jenis transaksi saldo: advance_funding
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: connect_collection_transfer
• Bagian dalam laporan bulanan: 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.

• Jenis transaksi saldo: reserve_transaction
• Bagian dalam laporan bulanan: Reflected in "Reserve" section

platform_earning

Earnings you’ve generated by collecting platform fees via Stripe Connect charges.

• Jenis transaksi saldo: application_fee
• Bagian dalam laporan bulanan: Application Revenue

platform_earning_refund

Platform fees that you have returned to your connected accounts.

• Jenis transaksi saldo: application_fee_refund
• Bagian dalam laporan bulanan: Application Revenue Returned

transfer

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

• Jenis transaksi saldo: transferor recipient_transfer
• Bagian dalam laporan bulanan: Payouts and Transfers

transfer_reversal

Transfers to your connected accounts that have been cancelled.

• Jenis transaksi saldo: transfer_cancel, transfer_refund, recipient_transfer_cancel, or recipient_transfer_failure
• Bagian dalam laporan bulanan: Payouts and Transfers: Failures and Refunds