Plaidly Docs

Reconciliation Export

Merchant and accounting export for payments, spend, fees, and settlement state

Reconciliation Export

Use this page for BDT-322 on the M6 Observability + Settlement Ops milestone.

The goal is to give merchant finance and accounting ops a stable export that can be reconciled against ledger activity and bank or chain records.

Export scope

The reconciliation export should cover:

  • payment sessions
  • spend events
  • fees
  • settlement state
  • refunds when they exist

The export is merchant-scoped and can be filtered by merchant and date range.

Required columns

ColumnMeaning
session_idPayment session id
merchant_idMerchant scope
merchant_nameHuman-readable merchant label
chainChain involved
networkNetwork involved
tokenToken symbol
amountGross amount
fee_amountFee amount
statusOperational status
tx_hashSettlement or spend transaction hash
proofVerification or settlement proof when available
created_atCreation timestamp
updated_atLast update timestamp
settled_atSettlement timestamp when available

Output format

Use either CSV or JSON.

  • CSV is the default for accounting review.
  • JSON is acceptable when a downstream system wants structured ingestion.
  • Keep field names and column order stable across runs.
  • Do not add hidden columns or per-request formatting changes.

Filtering rules

Apply filters in this order:

  1. Merchant scope
  2. Date range
  3. Status or settlement state
  4. Optional chain/token slice

That order keeps exports deterministic and avoids cross-tenant leakage.

Reconciliation guidance

  • A payment export row should match the ledger view for the same session_id.
  • A spend row should match the spend or payout audit record for the same merchant.
  • Fee rows should stay separate from principal rows so accounting can sum them independently.
  • Missing tx_hash or proof values mean the row is not final yet.

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