What are my three ways of getting settlement data?
There is no API that returns a reconciliation report or a settlement batch. Settlement-level
data reaches you as files (Portal download or SFTP delivery), never as an API response. If your
finance system needs settlement data programmatically, the integration point is the file, not an
endpoint.
Is there an API I can use to receive my money-movement records?
Yes, for balance and account movements — not for settlement reports. Five merchant endpoints exist:
See Withdrawal & Balance API for the request and
response contracts and the query-window limits.
So the practical split is: account movements → API; settlement composition → file.
Can I get the RRN (Retrieval Reference Number, field 37) in my settlement file?
No. There is noRRN column in any of the three reconciliation reports, and none in the Portal
transaction export.
For card transactions the merchant-visible references are:
payMethodResponse is a JSON string on the order inquiry response, and the object returned to you
carries a fixed set of keys — payment-method reference, scheme transaction id, token id, masked
card data, card metadata, the amount and currency your customer actually paid, and the rate the
payment method used. A network retrieval reference is not one of them, so it cannot be reached by
parsing that field either.
If you are trying to trace a specific transaction with a bank or an issuer, open a support case with
the Order Id and the payment date; that is the identifier Waffo can trace end to end.
Can you add a column to my report — my own refund id, my customer’s country, an extra reference?
The exported column set is fixed per report type. It is the same for every merchant, and it is not extended per account. What you can control is:
See Report Delivery & Email Subscription.
Some fields you may be looking for are already present under a different name — check
Settlement File Specification before requesting
anything:
- your own reference on a payment is
Merchant Order Id, and on a refundMerchant Original Order Ididentifies the payment you refunded - the payment a refund or chargeback belongs to is
Original Order Id - your own user identifier, if you sent one on order create, is
Merchant User Id
How do I report by my customer’s country? The reports only show currency.
There is no consumer-country column. The country dimension that exists is the country of the payment method, not the location of the person paying:
Two consequences worth being explicit about:
- Grouping the transaction export by
Pay Method Country/Regiongives you revenue by payment-method market, which is the closest available proxy and is what most merchants end up using. It is not the same as your customer’s residence — a customer can be anywhere and use a method registered in one market. - For card volume specifically,
cardIssueCountryCodeon order inquiry is a per-transaction issuer country. It is available through the API only, not as a report column, so building an issuer-country breakdown means enriching your own records at payment time rather than after the fact.
My order is in a non-USD currency. Where is the settlement-currency amount?
Not in the transaction export — that file has no settlement columns at all, because a transaction is exported the day after it happens and its settlement may not exist yet.
The conversion itself, including which pair and which rounding rule applies, is in
Settlement Calculation Explained.
Is there an API that gives me the settlement amount in my settlement currency?
No. This is the single most-asked variant of the previous question, and the answer is the file:Order Amount (Settlement Currency) in Settlement Details, keyed by Order Id, is the row you join
to your own ledger.
If you need this as a feed rather than a download, configure delivery to your own SFTP so the file
is pushed to you and your job picks it up — see
Report Delivery & Email Subscription.
Can I see my funds broken down per channel instead of one account balance?
No. Your money is presented to you as accounts, not as channel positions:
There is no per-channel funds screen in the Merchant Portal and no per-channel breakdown in the
balance API. If you cannot find it, it is not a permission problem — the dimension does not exist on
the merchant side. See Balance & Account History for
what each balance means and
Settlement Account Structure for why one currency can
show more than one account.
Three exports of the same month disagree. Which one is authoritative?
They disagree because they answer three different questions. None of them is wrong:
For “what did I get paid”, the settlement report is authoritative — it is the same data the money
movement was built from. For “what did I sell”, the transaction list is authoritative.
The classic mismatch has one cause: a transaction that happened in the last days of a month settles
in the next month, so it is in one month’s transaction export and the next month’s settlement report.
See Should I export by Payment Date or by Settlement Date?
and Settlement Cycle.
Why can’t I find an order from last month’s settlement report in my transaction list for that month?
Because you filtered the transaction list on a payment date in that month, and the order’s payment date is in the previous one. A settlement report covering a settlement date in November routinely contains transactions paid in October. To find it: search the transaction list byOrder Id with no date filter, rather than narrowing by
month.
Does filtering the transaction list on “payment successful” give me my revenue for the month?
No, for three reasons, in order of how often they bite:- It is gross, not net. Fees, taxes and reserve holds are applied in settlement, not on the transaction. See Settlement Calculation Explained.
- Refunds and chargebacks are separate rows with their own dates. A payment succeeded in the month and was refunded in the month both count once each.
- Successful is not settled. Some of those transactions have not entered a settlement batch yet.
Est columns marked as estimates.
What does the Settlement Status column mean, and do UNSETTLED orders count as this month’s revenue?
Settlement Status on a settlement report export tells you whether the transaction has entered a
settlement batch:
Whether an
UNSETTLED transaction belongs in this month’s revenue is an accounting-policy question,
not a Waffo one: on a cash basis it does not, on an accrual basis it does and the estimate columns are
what you would accrue against. Waffo does not restate the month once those rows settle — they simply
appear as SETTLED in a later report.
More on the column and the export filter in
Settlement Reports & Exports.
What is the difference between Settlements → Transaction and the Transactions page?
They look similar and answer different questions:
A transaction appears on Transactions immediately and on Settlements → Transaction only once
settlement has processed it. A transaction that was billed but carried no order amount — a failed
transaction that still incurred a fee — appears on the settlement side and looks odd on the
transaction side; that case is covered in
Failed Transaction Billing.
Where do I download settlement batch details now?
Portal → Settlements → Reports. Batch-level detail, Customized Export and the settlement estimation export are all background tasks: you request one, it is built, and it appears in the export history on the same screen as a downloadable file — it does not stream to your browser. If the only export type you can produce is a narrow one, the export types available to you depend on your account’s report configuration. The full list of types and their date-span ceilings is in Settlement Reports & Exports; task statuses and download link lifetimes are in Export Center.Which identifier ties a report row to the money that arrived in my bank?
Depends which end you start from:
One settlement date can produce more than one batch — see
Settlement Batch & Calendar.
Can I issue an invoice to my own customer from the Portal?
No. The two documents Waffo produces have fixed directions:
So the Invoice in your Portal is Waffo’s invoice to you for fees. It is not a document you can pass
to your customer, and there is no feature that issues a merchant invoice to an end customer. The
customer-facing document is the transaction Receipt — content, configuration and delivery are in
Receipt Configuration & Download and
Portal Receipts.
Invoice numbering, why several attachments arrive at once, and what is excluded from the Invoice are
in Settlement File Specification.
Can I get an invoice for a transaction that is refunded, or not yet settled?
The Invoice covers fees on settled transactions, and its date is derived from the latest actual settlement date in the set it covers. A transaction that has not settled has not contributed a fee to any invoice yet, so it is not on one. It appears on the invoice covering the period in which its settlement lands.Still stuck on a specific field? Contact support with the report file name and the column you are looking for — naming the file lets support tell you whether the field exists under another name or not at all.