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Balance types
Balance types are used to improve the financial information that is provided in the data export files.
What are balance types?
By accumulating pre-defined balances you can easily track different types of balances. Each balance type contains the total balance of a selected group of technical accounts for a card account.
The data represents a snapshot that is taken during the end of day process that is run at midnight 24:00 UTC. The Account_Balance_Type files contain the AVAILABLE balance for all accounts every day. The other balances are only available incrementally, i.e. when they have changed. For example:
Day 1
- AVAILABLE : 1000€
- Cardholder makes a purchase for 100€ (settled the same day)
Day 2
- AVAILABLE: 900€
- TOTAL_BALANCE: 100€
- Cardholder pays off the 100€ balance
Day 3
-
AVAILABLE: 1000€
-
TOTAL_BALANCE: 0€
- Balance types with zero amount are included in the case they have changed to zero since the previous day.
-
The following balance types are available in the Account_Balance_Type file:
| Balance type code | Description | Available for following products |
|---|---|---|
| AVAILABLE | This is the available amount on the card account. The available amount considers both financial transactions as well as pending authorisations. The amount is the available amount at the point of end of day process. Unlike other balance types, the available balance is provided for all accounts every day even though it wouldn’t have changed since the previous day. | Prepaid, Debit, Credit |
| TOTAL_BALANCE | This amount is the total balance of the card account at the point of end of day process. For credit products this balance includes both invoiced and uninvoiced balances. | Prepaid, Debit, Credit |
| STMT_BALANCE | This is the total amount of your customer’s invoice. This includes both the minimum to pay balance as well as any potential balance on grace and billed technical accounts. For detailed technical account mapping, see this guide. | Credit |
| DUE | This is the due amount your customer is expected to pay. It should be noted that this does not include any potential overdue amounts. The DUE amount is updated when payments are posted to the card account. | Credit |
| OVD_01 | This is the amount of overdue balance that has passed one due date, i.e. 1-30 days past due date. | Credit |
| OVD_02 | This is the amount of overdue balance that has passed two due dates, i.e. 31-60 days past due date. | Credit |
| OVD_03 | This is the amount of overdue balance that has passed three due dates, i.e. 61-90 days past due date. | Credit |
| OVD_04 | This is the amount of overdue balance that has passed four due dates, i.e. 91-120 days past due date. | Credit |
| OVD_05 | This is the amount of overdue balance that has passed five due dates, i.e. 121-150 days past due date. | Credit |
| OVD_06 | This is the amount of overdue balance that has passed six or more due dates, i.e. > 150 days past due date. | Credit |
| PAST_DUE | This is the sum of all overdue balances, i.e. the sum of the OVD_ technical accounts. | Credit |
| TOTAL_DUE | This is the sum of DUE and PAST_DUE. It is the total amount of due balance of the card account. | Credit |
| OPENING_BALANCE | This is the total balance of the card account at cycle start. This balance type is only available in statement files. | Credit |