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 available (spendable) balance during that day.

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

How Your Balance Is Split

Your balance is split into four buckets:

Available: Funds you can spend (for example, to fund a payout).
Pending payin: Inbound funds that have already 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.

Which Movements Are Counted

The payins, payouts, adjustments, and fees columns only record movements that change your available balance. Money that moves into or out of a pending bucket without touching available does not appear there; you see it in that bucket's start and end balances instead.

Payins are counted when the payin is completed — when the funds move from pending payin to available and become spendable. Creating a payin only puts the funds in pending payin. That does not change your available balance, so it is not included in payins.
Payouts are counted when the payout is created: creating a payout reserves the money, moving it from available to pending payout, and the payouts column records that movement. Completing the payout sends money that was already reserved. It reduces pending payout, not available, so it does not add another payout. Returns that put funds back into your available balance are also recorded in payouts.
Adjustments follow the same rule. A negative adjustment is counted when it is initiated and the money moves from available to pending negative adjustment. Completing it only clears the pending bucket and is not counted again.
Fees are the net fees taken from your available balance that day. Fees that are invoiced to you separately are not taken from your balance and do not appear on this report.

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.
`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 movement in the available balance from payins completed that day. Completing a payin moves funds from pending payin to available and increases available.
`payouts`	Net movement in the available balance from payouts created that day and returns credited that day. Creating a payout reduces available; a return increases available.
`adjustments`	Net adjustment or settlement movement that changed the available balance this day, including negative adjustments initiated this day.
`fees`	Net fees taken from the available balance 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:

available_end_balance - available_start_balance = payins + payouts + adjustments + fees