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Merchant Help


Affirm Merchant Help

Settlement Reports


Settlement Reports are available in your Affirm Merchant Dashboard. This article describes how to access those reports and what they contain. You will need this settlement information to reconcile transactions with the deposits into your bank account.

Accessing Reports

  1. Log into your Affirm Merchant Dashboard. If you don't have access to the dashboard, click here to learn how to request access. 
  2. Hover over the left-side navigation bar and click on 'Settlements'.
  3. A list of settlements appears with the date initiated, sub totals, and total settled.
  4. The 'Date' for these settlements is the date the settlement was initiated from our bank.
    Note:  These settlements typically take 1-3 business days to be reflected in your bank account.





  • Daily reports are sent Tuesday - Saturday @ 2.30 AM UTC
    • The daily report will contain the data for the previous UTC day. For example, a report received on Tuesday PT contains Monday UTC charges.
    • Charges included in the reports will be between 12:00 AM to 11:59 PM UTC. 
    • Monday's report will contain Friday, Saturday, Sunday settlements (as no settlements happen on Saturday or Sunday)
  • Weekly reports are sent on Monday @ 6.30 PM PST
    • The weekly report will contain data for Monday - Sunday of the previous week
  • Monthly reports are sent on the first day of the month @ 6.30 PM PST
    • The monthly report will contain data for the whole previous month.


  • All these jobs are run using UTC standard, affecting the delivery during daylight savings time.
  • All times above indicate when the job starts running - if there is a large number of reports to be run, it could be delayed in delivery.

Report Details

  • There is one settlement report for each settlement to your bank account.
  • Each settlement is the net sum of all captures, refunds, disputes, and exceptions for the time-period listed.
  • Typically, there's one settlement every day that you capture an Affirm charge.

Standard settlement reports include the following transaction details:

Column name



Possible values


refers to when the event_type happened

Timestamp (UTC)



when the loan was originally created

Timestamp (UTC)



Internal Affirm charge ID. Charge IDs remain the same even when a refund is issued.

String (9-character alphanumeric)



16-character alphanumeric value which is unique for each charge interaction

String (16-character alphanumeric)



Optional. Populated with the value you provide in the checkout object, or a charge update API call. If you do not provide a value, it will be empty. Order IDs remain the same even when a refund is issued.

If you do not currently pass us your internal order ID, please follow these directions to do so. 

String (fewer than 128 characters)



The charge event that was processed.


  • loan_captured

  • loan_refunded

  • dispute_opened

  • dispute_resolved

  • fee_adjustment

  • adjustment



Float (USD)

  • Positive float

    • ‘loan_captured’

    • ‘dispute_resolved’  (Merchant wins the dispute)

  • Negative float

    • 'dispute_opened'

  • 0

    • ‘loan_ refunded’

    • 'dispute_resolved' (Merchant loses the dispute)



Float (USD)

  • Negative float

    • ‘loan_ refunded’

  • 0

    • ‘loan_captured‘

    • ‘dispute_opened’

    • ‘dispute_resolved’  (merchant wins the dispute)

    • ‘dispute_resolved ‘(merchant loses the dispute



Float (USD)

  • Negative float

    • ‘loan_captured ‘

    • ‘dispute_resolved’  (merchant wins the dispute)

    • ‘dispute_resolved ‘(merchant loses the dispute)

  • Positive float

    • ‘loan_ refunded’

    • ‘dispute_opened’



Float (USD)

Positive float

Entity_name Optional. Can be enabled by your Affirm contact.

Populated if an entity_name is passed in the checkout object metadata for a particular Affirm charge.
String Reflects the entity_name that is passed in the checkout object.
Financing_program Optional. Can be enabled by your Affirm contact.

Populated with the name of the financing program that was applied to the customer's loan. If a financing_program was defined in the checkout object, and the customer qualified for that program, it will be noted here. Different financing programs may carry different merchant fees, which will be reflected in the 'fee' column.
String Name of the financing program that was applied to the customer's loan.
Merchant_name Conditional. Only appears for parent merchant reports. String Name of the child merchant account that the charge originated from, as defined in the Affirm platform (not controlled by the merchant).
Deposit_id Identifier generated by Affirm for individual settlement deposited to your bank account. This ID would be shown as part of the transaction details.  String (15-character alphanumeric) Random string that is unique to each bulk deposit made.

Analyzing Reports

About dates:

  • The date of the settlement file is when we initiated the settlement to your bank account (not when the capture event was processed).
    Note: it can take 1-3 business days for the funds to hit your bank account. 
  • The 'date' column inside the file is when the charge action occurred (i.e., when the capture/refund/dispute happened).

Reconciling deposit amounts:

  • The 'deposit_id' column inside the file correlates to the actual deposits made to your bank account
  • The sum of the 'total_settled' entries for rows that match a given deposit_id will correlate to the deposit amount on your bank statement.

Reconciling at the order-level:

  • The 'order_id' in the settlement report entries is the same order ID that is sent to Affirm with the checkout, authorization, capture, or update API requests. Once the order_id is associated with a given Affirm charge, it will always be present in the settlement report. It does not need to be sent with each and every charge action for it to be associated with those charge action's entries in the settlement report.

Reconciling at the transaction-level:

  • Record the 'transaction_id' in the response for the API charge actions that you take. For example, if you send an API request to capture a charge, you'll receive back a 'transaction_id' in the API response. That transaction_id is unique to this specific charge action, and it is reflected in the settlement report.

Scheduling Reports

To add a new email report recipient:

  1. Go to the 'Settings' page
  2. Click the 'Scheduled Reports' tab on the settings page
  3. Click the '+' icon in the panel for 'Email preferences'
  4. Enter the email address you'd like to receive the settlement reports
  5. Select the report frequency (daily, weekly, monthly)

Email recipients can be removed, or edited by clicking the pencil icon next to each email address entry.

Example File

You can download a sample settlement file here: Sample_Merchant_2018-04-24_2018-04-25.csv

SFTP Delivery

If you prefer to have settlement files delivered to an SFTP directory, please contact and specify Affirm-hosted SFTP or your hosted SFTP server

If using the Affirm-hosted SFTP server


  • SSH RSA public key
  • IP address(es) that will be accessing our server

Expect in return:

  • SFTP server address, port number, username
If using your own SFTP server


  • SFTP server address
  • Port number
  • Directory path (if applicable)
  • Basic authentication credentials (if applicable)

Expect in return:

  • Affirm public IP addresses to whitelist

SFTP File Name Convention

  • Merchantname_start-date_end-date_details.csv
  • Merchantname_start-date_end-date_summary.csv

Example: Merchantname_2016-01-01_2016-04-14_details.csv (note use of underscores and hyphens to separate dates)