Use the Financial Actions by Date Range Report to see the breakdown of fees in your invoice.
This report helps you reconcile all fees charged during the month against your invoice, along with your Balance Report.
For more information, see Breakdown types – Fees.
To see the specific description behind a scheme fee you were charged, add the optional Fee Detail field to your report. See How to view scheme fee descriptions.
Interchange fees appear after the payment
Card schemes calculate interchange and pass the data on to Checkout.com between one to five days after you capture the payment. As we can only charge an interchange fee once we know what the scheme interchange was, an interchange fee may appear in a later report and settlement than the payment it belongs to.
Schemes do not tell Checkout.com whether they treated an interchange fee as fixed or variable. As a result, all interchange fees are reported as fixed as a result, even if the scheme applied a variable rate.
If an interchange fee does not appear in a report five days after capture, contact your account manager or request support and provide the payment ID.
Previous period tiered pricing adjustments
Under tiered pricing, Checkout.com charges your transactions during the month at the rate for the tier you reached in the previous month. At the end of the month we review the volume you actually processed, and if it places you in a different tier we apply the difference as a single credit or charge. Your new tier applies to all your processing for the whole month, not only to the volume that moved you into that tier.
For variable fees, we measure your volume net of refunds and chargebacks.
The credit or charge difference appears on your invoice as Previous Period Tiered Pricing Adjustments, and in your reports as a Tiered Pricing Adjustment breakdown type.
Network fees without transaction-level breakdown
Schemes bill Checkout.com the Interchange Fixed Fee and Interchange Fixed Fee Tax in one lump sum and do not provide a transaction-level breakdown. As such, we cannot link these to specific payments.
Difference between fees and fines
A fee is a charge for a Checkout.com product or service, such as processing a payment, and is listed in your pricing schedule.
A fine is a penalty a card scheme applies when one of its rules is broken. It is not a charge for a service, and whether we pass a fine on to you depends on your contract with us. If you want more information about a fine you've been charged, contact your account manager.