Getting Started

Use this guide to understand what the Disbursement & Fee Report (DFR) is, when you receive it, and how it helps you tie bank deposits back to your transaction activity.

What is the DFR?

The DFR is your complete record of funds moving between your merchant account and your bank. Use it to:

Reconcile bank deposits with transaction activity.
Track fees charged at the transaction and account level.
Investigate refunds, disputes, and adjustments.
Understand reserve holds and manual corrections.

Every time money moves to or from your bank account, the DFR tells you exactly what made up that transfer.

When You Receive It

The DFR is generated after a bank transfer is made:

Settlement Model	DFR Available
Net Settlement	D+1 (1 day after disbursement)
Gross Settlement	D+2 (2 days after disbursement)

For details on how Gross Settlement and Net Settlement affect fee collection and daily deposits, see Settlement Models.

Delivery: Reports are delivered by SFTP using Dropzone. Contact your account representative to enable access.

File Naming Convention

merchant_acct-DISBURSEMENT-FEE-REPORT-DAILY-YYYYMMDD-1-1-YYYYMMDDTHHMMSS

Component	What it means	Example
`merchant_acct`	Your Merchant Account ID	`acme_prod`
`YYYYMMDD`	Disbursement date (bank transfer date)	`20260115`
`1-1`	File sequence (file 1 of 1)	`1-3` means file 1 of 3
`YYYYMMDDTHHMMSS`	Generation timestamp (UTC)	`20260117T143022`

Quick Reference Card

Key Fields for Bank Reconciliation

To answer this question:	Find this in the DFR:
"Which DFR row matches my bank statement?"	`Transfer ID` in Report Summary
"Does DFR match my bank deposit?"	`Net Disbursed Amount` in Report Summary
"Which of my orders are in this deposit?"	`Order ID` in Report Details
"What sale was this refund/dispute for?"	`Original Record ID` in Report Details

Sign Convention

Sign	Money is flowing...	Examples
Positive (+)	TO you	Sales, Chargeback Reversals, Reserve Releases
Negative (−)	FROM you	Refunds, Chargebacks, Fees, Reserve Holds

Note

Important: Fee values are stored as negative numbers, such as -$3.00. This is consistent with the sign convention: fees flow from you.

Reconciliation Example

Here's how to verify a bank deposit matches your DFR:

Bank Statement shows: Transfer ID TRF_001, amount $890.49

Find the RS row. In the Report Summary (RS) section, locate the row where Transfer ID = TRF_001 and confirm that Net Disbursed = $890.49. This should match the amount on your bank statement.
Spot-check the RD rows. In the Report Details (RD) section, filter by Transfer ID = TRF_001 and confirm that the Net Disbursed values for the included transactions add up to $890.49.

For a full step-by-step walkthrough with sample data, tables, and validation formulas, see Reconciliation Walkthrough.

Validation checks:

Bank deposit ($890.49) = RS.Net Disbursed ($890.49)
Sum of RD.Net Disbursed for Transfer ID TRF_001 ($890.49) = RS.Net Disbursed ($890.49)