Daily Balance v2

This report provides a daily snapshot of your financial position, showing your opening and closing balances along with the movements that changed your total (aggregate) balance during that day.

Day Definition: A day runs midnight to midnight in America/Toronto time.

How Your Balance Is Split

Your total position is the Aggregate balance, which is the sum of four distinct buckets. Note that your Aggregate balance is not the same as the amount you can currently spend.

Available: Funds you can spend (for example, to fund a payout).
Pending Payin: Inbound funds that have been recognized but are not yet spendable.
Pending Payout: Outbound funds that have been reserved but have not yet been sent.
Pending Negative Adjustment: Any negative adjustments that have been initiated but are not yet completed.
Aggregate: The sum of the four buckets listed above (your total position).

Which Movements Are Counted

The payins, payouts, adjustments, and fees columns only record movements that change the overall aggregate balance. Internal movements that shuffle money between your buckets are excluded.

Payins (Counted on Creation): Counted as soon as inbound funds increase your aggregate balance, including while they sit in Pending Payin. Completing a payin (moving funds from Pending Payin $\rightarrow$ Available) does not count as an additional payin.
Payouts (Completed Only): Creating a payout moves money from Available to Pending Payout. This does not change your aggregate balance, so it is not recorded in the Payouts column yet. Completing the payout sends the money out, decreases the aggregate, and is recorded under Payouts.

Column Reference

Column	Meaning
`date`	Business date of the row (`America/Toronto` calendar).
`merchant_id`	Your merchant identifier.
`currency`	Currency of the balances and movements on this row.
`aggregate_start_balance`	Total position at the start of the day (sum of the four buckets).
`aggregate_end_balance`	Total position at the end of the day (sum of the four buckets).
`available_start_balance`	Spendable balance at the start of the day.
`available_end_balance`	Spendable balance at the end of the day.
`pending_payin_start_balance`	Inbound funds recognized but not yet spendable, at the start of the day.
`pending_payin_end_balance`	Inbound funds recognized but not yet spendable, at the end of the day.
`pending_payout_start_balance`	Outbound funds reserved but not yet sent, at the start of the day.
`pending_payout_end_balance`	Outbound funds reserved but not yet sent, at the end of the day.
`pending_negative_adjustment_start_balance`	Negative adjustments in flight, at the start of the day.
`pending_negative_adjustment_end_balance`	Negative adjustments in flight, at the end of the day.
`payins`	Net inbound from outside on this day, including created (pending) payins that increased the aggregate. Typically positive.
`payouts`	Net outbound that left the aggregate this day — completed-only, plus any completed returns or cancellations that reverse that movement. Typically negative.
`adjustments`	Net external adjustment or reimbursement movement that changed the aggregate this day.
`fees`	Net fees taken this day.

Start balances reflect the position at Toronto midnight on date.
End balances reflect the position at Toronto midnight on the following calendar day.

Balance Verification Rule

The following check always holds true for every daily report row:

aggregate_end_balance - aggregate_start_balance = payins + payouts + adjustments + fees