How to Read a PSP Settlement Report

Settlement reports from Stripe, Mollie, Adyen, and other payment providers contain the information you need to reconcile payouts — but each report format is different. Here is how to read and use them.

What a settlement report contains

A typical PSP settlement report contains: individual transaction lines (each representing one payment or refund), gross amounts, fee deductions per transaction, refund amounts, chargeback deductions, and a net total that corresponds to the payout received.

Stripe settlement reports

Stripe settlement reports (also called payout reports or balance history) are available in the Stripe Dashboard under Reporting. Each row represents one charge, refund, or adjustment. The ‘net’ column shows the amount after Stripe’s fee deduction.

Mollie settlement reports

Mollie provides settlement reports via the Mollie Dashboard and API. Each settlement report covers a specific payout period and contains individual payment records with amounts, fees, and net totals.

Adyen settlement reports

Adyen’s settlement detail reports are available via the Adyen Customer Area. They follow a specific format with record types for each transaction category. Adyen reports require some column mapping to use in standard reconciliation processes.

Common reconciliation challenges

The main challenges are: different column names for the same data across providers; amounts expressed as gross vs. net vs. fee amounts; timing differences between settlement date and bank receipt date; and format changes when providers update their report structure.

Best practice: map formats once, reuse

When you first import a settlement report from a new provider, map the column format and save the mapping. Subsequent imports from the same provider format use the saved mapping automatically — saving time and preventing column-mapping errors.