Financial activity summary report
This report provides a summary of conveyed and settled transactions, financially impacting chargebacks or disputes, interchange and assessment fees, processing fees, and other adjustments related to effective or pending fund transfers. Funding occurs at Funds Transfer Instruction (FTI) level, and once the funding is in effective or pending funds transfer status, you can view all the associated payments activity part of that funds transfer.
| Report type | Supported entity types | Supported file formats |
|---|---|---|
| Financial activity summary |
|
|
Use cases
- Analyze total fees and disputes daily to identify any spikes that may need further investigation.
- View overall processing volume and funds transfers.
Observations
- Funding occurs at a Funds Transfer Instruction (FTI) level. When setting up the preset report:
- If you select CO level it will combine all FTI transfer activity and may not match your individual bank statements.
- If you have multiple FTI’s with different payments activity and bank accounts, we recommend you set the Financial Activity Summary Report at an FTI level using the entity picker.
- If you are setting up this report at a daily, weekly, or monthly level, we recommend giving this report a unique name with the FTI for better tracking in your Reports Download section in Commerce Center.
- For Gross Funded merchants, Fees and associated Fund transfer amounts will appear monthly on Last Calendar Day/Last Fiscal Calendar Day or on a particular day of the month based on the FTI setup.
Granularity
Presentment Currency Code, Settlement Currency Code, and Reporting Date.
Fields
The following table shows the field details.
Field name |
Definition |
|---|---|
Presentment Currency Code |
The three-character abbreviation for the currency in which the cardholder transaction occurred. |
Settlement Currency Code |
The three-character abbreviation for the currency in which the merchant is being funded. |
| Reporting Date | The date when the transactions/events took place. |
Net Conveyed Deposits |
The sales less refunds for conveyed MOPS (Amex, for example). Conveyed transactions are those that we process but do not take on any risk with regard to chargebacks or fraud, we simply process the payments. This amount is provided in presentment currency. |
Net Settled Deposits |
The sales less refunds for standard/settled MOPs (Visa, Mastercard, etc). This amount is provided in the presentment currency. |
Foreign Exchange Rate |
The foreign exchange rate at which J.P. Morgan qualified the transaction for cross currency transactions. |
Net Settled Deposits in Settlement Currency |
The total Amount of sales less refunds for settled MOPs for the activity date in the Reporting Date column. |
Chargeback/ECP Return/Debit Adjustments |
The net amount of PDE activity (chargebacks, representments, returns, redeposits, etc.) received for the activity date in the Date column. |
Interchange and Assessment Fees |
The fees charged by the card brands and issuers on the transactions. |
Processing Fees |
The acquiring or processor fees charged by J.P. Morgan. |
Other Adjustments |
The sum of any other adjustments. |
Backup With Holding Adjustments |
Any amount less than or greater than the amount owed to the IRS by the merchant. |
Reserve Adjustments |
Amount added to or released from your reserve to cover any chargebacks. You would have been notified during account setup if this requirement applies to you. |
Net Financial Activity |
The total net financial activity for the record (Sale/Refund: all charges and adjustments). |
Rejected Transfers |
The total amount of rejected transfers on the activity date. |
Pending Transfers |
The total amount of funds transfer that is in a “to be sent” status as the effective transfer date has not been yet reached. |
Effective Transfer |
The total amount that will be sent to the client’s bank account on the activity date. |
Daily Ending Balance |
The total sum of financial events that are included in the merchant’s running balance that have not been included in a pending funds transfer at the end of the day based on the Activity Date. |
Reserve Balance |
The monetary value of the cash portion of a reserve for a merchant acquiring account at the Company level. The total collateral held on a client is the sum of the Cash Reserve Amounts and the Collateral Reserve Amounts. The reserve amount is held to mitigate risk due to the Firm's liability of potential losses related to the merchant acquiring account. |
Entity Identifier |
The associated CO, BU, TD, or PE identification number. |
Entity Type Code |
The level at which the reported event occurred. Valid values are:
|
Sample report configurations
The following samples help you get an idea of how to configure financial activity summary reports.
CO/BU/TD/PE
The following request code block shows how to configure a financial activity summary report for entityType = CO/BU/TD/PE.
{
"entityType": "CO",
"entityIds": [
"1234567"
],
"reportSections": [
{
"sectionTitle": "Financial Activity Summary",
"sectionReportTypeName": "Financial Activity Summary",
"sectionReportTypeId": "3021",
"sectionSelectedFields": [
{
"reportAttributeName": "Presentment Currency Code"
},
{
"reportAttributeName": "Settlement Currency Code"
},
{
"reportAttributeName": "Activity EDT Date",
"alias": "Reporting Date"
},
{
"reportAttributeName": "Net Conveyed Deposits",
"alias": "Net Conveyed Deposits",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Net Settled Deposits",
"alias": "Net Settled Deposits",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Foreign Exchange Rate"
},
{
"reportAttributeName": "Net Settled Deposit in Settlement Currency",
"alias": "Net Settled Deposits in Settlement Currency",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Chargeback/ECP Returns/Debit Adjustments",
"alias": "Chargeback/ECPReturns/Debit Adjustments",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Interchange & Assessment Fees",
"alias": "Interchange & Assessment Fees",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Processing Fees",
"alias": "Processing Fees",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Other Adjustments",
"alias": "Other Adjustments",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Back Up Withholding Adjustments",
"alias": "Backup With Holding Adjustments",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Reserve Adjustments",
"alias": "Reserve Adjustments",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Net Financial Activity",
"alias": "Net Financial Activity",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Rejected Transfers",
"alias": "Rejected Transfers",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Pending Transfers",
"alias": "Pending Transfers",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Effective Transfers",
"alias": "Effective Transfers",
"aggregateOperationText": "sum"
},
{
"reportAttributeName": "Daily Ending Balance"
},
{
"reportAttributeName": "Reserve Balance"
}
],
"sectionSortOrderList": [
{
"reportAttributeName": "Activity EDT Date",
"sortOrderCode": "asc"
},
{
"reportAttributeName": "Presentment Currency Code",
"sortOrderCode": "asc"
},
{
"reportAttributeName": "Settlement Currency Code",
"sortOrderCode": "asc"
}
]
}
],
"fileDelimiter": ",",
"reportConfigurationName": "Financial Activity Summary Report",
"reportFileName": "Financial Activity Summary Report.<Processing Entity ID>.<frequency>.<From Date YYYY-MM-DD>.<To Date YYYY-MM-DD>",
"reportHeader": "EntityId=<Processing Entity ID>,ReportTypeName=<Report Type>,Frequency=<frequency>,FromDate=<From Date YYYY-MM-DD>,ToDate=<To Date YYYY-MM-DD>,GenerationDate=<Generation Date YYYY-MM-DD>,GenerationTime=<Generation Time HH:MM:SS>",
"fileHeader": "BEGIN,EntityId=<Processing Entity ID>,Frequency=<frequency>",
"fileTrailer": "END,EntityId=<Processing Entity ID>,Frequency=<frequency>",
"reportName": "Financial Activity Summary Report",
"csvColumnNameDisplayIndicator": true,
"frequencyConfig": {
"scheduleFrequency": "adhoc",
"reportingPeriodStartTimestamp": "2026-03-24 02:00:00",
"reportingPeriodEndTimestamp": "2026-03-25 01:59:59"
}
}