Balance Reconciliation

Overview

Lead tracks the end-of-day account balance for type = credit or deposit, along with other applicable balances depending on your programs.

For specific validations performed, refer to Balances and Transactions Files Validations.

Deposit Balance

Reconciliation	Description
balance	Tracks the end-of-day deposit balances (e.g., debit cards, deposit accounts, FBO accounts) for the customer. `balance` reconciles against the daily activity of `transactions.amount`.
interest_accrued_balance (if applicable)	Applies to deposit programs that offer interest to customers. It reconciles against the daily activity of `transactions.amount` for `transactions.type` across `interest_accrued` and `interest_paid`. See Interest Accrued Balance for examples.
rewards_balance (if applicable)	Applies to deposit programs that offer rewards (e.g., a debit card with rewards). It reconciles against the daily activity of `transactions.amount` for `transactions.type` across `rewards_earned`, `rewards_spent`, `rewards_redeemed`, `debit`, `credit`, and `refund`. See Rewards Balance for examples.
dispute_balance	Tracks the end-of-day dispute balances (e.g., disputes on card transactions) for the customer. It reconciles against the daily activity of `transactions.amount` for `transactions.type` across `dispute_provisional`,`dispute_lost`, and `dispute_won`. See Dispute Balance for examples.
charge_off_balance	Applies to overdrawn deposit balances that have been charged off. It tracks the end-of-day charge-off balance for the customer and reconciles against the daily activity of `transactions.amount` for `transactions.type` across `charge_off`. See Charge Off Balance for examples.

Credit Balance

Reconciliation	Description
balance	Tracks the end-of-day credit balances (e.g., loans, credit cards) for the customer. It reconciles against the daily activity of `transactions.amount` except for `transactions.type` across `charge_off_recovery` and `dispute_won`, which do not affect the credit balance.
balance	Represents the outstanding balance across principal, fees, and interest: - Each sub-amount of outstanding balance is reconciled against day over day transactions that affect that sub-amount. For example, if outstanding interest is increased by $10, then we would expect to see a transaction that has an `interest_amount` of $10. Similarly, if outstanding fees are decreased by $20 due to a payment, then we would expect to see a transaction that has a `fees_amount` of -$20. - Additionally, `reallocation` transaction types can be used to move outstanding amounts from one sub-amount to another e.g. $10 from outstanding interest is reduced and instead applied to principal.
rewards_balance (if applicable)	Applies to credit programs that offer rewards (e.g., a credit card with rewards). It reconciles against the daily activity of `transactions.amount` for `transactions.type` across `rewards_earned`, `rewards_spent`, `rewards_redeemed`, `disbursement`, `client_credit`, and `refund`. See Rewards Balance for examples.
dispute_balance	Tracks the end-of-day dispute balances (e.g., disputes on card transactions) for the customer. It reconciles against the daily activity of `transactions.amount` for `transactions.type` across `dispute_provisional`,`dispute_lost`, and `dispute_won`. See Dispute Balance for examples.
charge_off_balance	Applies to charged-off credit balances. It tracks the end-of-day charge-off balance for the customer and reconciles against the daily activity of `transactions.amount` for `transactions.type` across `charge_off` and `charge_off_recovery`. See Charge Off Balance for examples.
past_due_balance	Applies to past due balances. It tracks the end-of-day past due balance for the customer. There is no reconciliation against `transactions.amount` and credit balance enters past due status if the customer fails to make the scheduled payment by the due date. See Past Due Balance for examples.

Examples

Rewards

Applicable to Both Deposit and Credit Balances if your program offers rewards.

For rewards, Lead tracks rewards_balance and rewards_unit in the Balance file as well as rewards transactions affecting the balance.

Rewards on the Debit Card or Deposit Balance

Type	Amount Action	Rewards Amount	Example
debit	Applied (-) / Reversed (+)	0 or positive (+) / 0 or negative (-)	A $100 `debit` transaction earns 1,000 rewards units. Not all transactions affect rewards. - `balance` decreases by `amount`. - `rewards_balance` may or may not increase by `rewards_amount` depending on whether `debit` transaction affects rewards.
refund	Applied (+) / Reversed (-)	0 or negative (-) / 0 or positive (+)	A $100 `refund` reverses 1,000 rewards units. Not all transactions affect rewards. - `balance` increases by `amount`. - `rewards_balance` may or may not decrease by `rewards_amount` depending on whether `refund` transaction affects rewards.
credit	Applied (+) / Reversed (-)	0 or negative (-) / 0 or positive (+)	A $100 `credit` reverses 1,000 rewards units. Not all transactions affect rewards. - `balance` increases by `amount`. - `rewards_balance` may or may not decrease by `rewards_amount` depending on whether `credit` transaction affects rewards.
dispute_provisional	Applied (+)	0 or negative (-)	A dispute for a transaction is in progress. This transaction originally had 1,000 rewards associated with it. - `balance` increases by `amount`. - `rewards_balance` may or may not decrease by `rewards_amount` depending on whether client reduces the rewards associated with the dispute transaction.
dispute_lost	Applied (-)	0 or positive (+)	A dispute for a transaction is lost. - `balance` decreases by `amount`. - `rewards_balance` may or may not increase by `rewards_amount` depending on whether client increases the rewards associated with the dispute lost transaction.
rewards_earned	Applied (0) / Reversed(0)	Positive (+) / negative (-)	1,000 rewards units are added to the rewards balance, which increases to 1,000 units. This does not affect the deposit balance. - `balance` is unaffected. - `rewards_balance` increases by `rewards_amount`.
rewards_spent	Applied (0) / Reversed(0)	Negative (-) / Positive (+)	1,000 rewards units are deducted from the rewards balance. This does not affect the deposit balance. - `balance` is unaffected. - `rewards_balance` decreases by `rewards_amount`.
rewards_redeemed	Applied (+) / Reversed (-)	Negative (-) / Positive (+)	A $1.00 cashback is credited to the deposit balance, reducing the rewards amount accordingly. - `balance` increases by `amount`. - `rewards_balance` decreases by `rewards_amount`.

Rewards on the Credit Card

Type	Amount Action	Rewards Amount	Example
disbursement	Applied (+) / Reversed (-)	0 or positive (+) / 0 or negative (-)	A $100 disbursement earns 1,000 rewards units. Not all transactions affect rewards. - `balance` increases by `amount`. - `rewards_balance` may or may not increase by `rewards_amount` depending on whether `disbursement` transaction affects rewards.
refund	Applied (-) / Reversed (+)	0 or negative (-) / 0 or positive (+)	A $100 refund reverses 1,000 rewards units. Not all transactions affect rewards. - `balance` decreases by `amount`. - `rewards_balance` may or may not decrease by `rewards_amount` depending on whether `refund` transaction affects rewards.
client_credit	Applied (-) / Reversed (+)	0 or negative (-) / 0 or positive (+)	A $100 client credit reverses 1,000 rewards units. Not all transactions affect rewards. - `balance` decreases by `amount`. - `rewards_balance` may or may not decrease by `rewards_amount` depending on whether `client_credit` transaction affects rewards.
dispute_provisional	Applied (-) / Reversed (+)	0 or negative (-) / 0 or positive (+)	A dispute for a transaction is in progress. This transaction originally had 1,000 rewards associated with it. - `balance` decreases by `amount`. - `rewards_balance` may or may not decrease by `rewards_amount` depending on whether client reduces the rewards associated with the dispute transaction.
dispute_lost	Applied (+) / Reversed (-)	0 or positive (+) / 0 or negative (-)	A dispute for a transaction is lost. - `balance` increases by `amount` - `rewards_balance` may or may not increase by `rewards_amount` depending on whether client increases the rewards associated with the dispute lost transaction.
rewards_earned	Applied (0) / Reversed(0)	Positive (+) / Negative (-)	1,000 rewards units are added to the rewards balance, increasing it to 1,000 units. This does not affect the credit balance. - `balance` is unaffected. - `rewards_balance` increases by `rewards_amount`.
rewards_spent	Applied (0) / Reversed(0)	Negative (-) / Positive (+)	1,000 rewards units are deducted from the rewards balance. This does not affect the credit balance. - `balance` is unaffected. - `rewards_balance` decreases by `rewards_amount`.
rewards_redeemed	Applied (-) / Reversed (+)	Negative (-) / Positive (+)	A $1.00 cashback is applied to the credit balance, reducing both the credit balance and the rewards amount accordingly. - `balance` decreases by `amount`. - `rewards_balance` decreases by `rewards_amount`.

Dispute Balance

Applicable to both deposit and credit balances.

For disputes, Lead tracks dispute_balance (if Credit: across balance, principal, interest and fees) in the Balances file as well as dispute transactions affecting the balance. Below are examples of disputes for deposit and credit balances.

Disputes on the Deposit Balance

Type	Amount Action	Example
dispute_provisional	Applied (+)	The customer’s deposit balance is $1,000. Customer disputes a $50 charge from a merchant. - `balance` increases by $50 to $1,050 while the dispute is in progress. - `dispute_balance` increases by $50 to $50 while the dispute is in progress.
dispute_won	Applied (-)	Customer wins the dispute of $50 transaction. - `balance` is unaffected at $1,050. - `dispute_balance` decreases by $50 to $0.
dispute_lost	Applied (-)	Customer loses the dispute of $50 transaction. - `balance` decreases by $50 to $1,000. - `dispute_balance` decreases by $50 to $0.

Disputes on the Credit Balance

Type	Amount Action	Example
dispute_provisional	Applied (-)	The customer’s credit balance is $1,000. Customer disputes a $50 charge from a merchant. - `balance` decreases by $50 to $950 while the dispute is in progress. - `dispute_balance` increases by $50 to $50 while the dispute is in progress.
dispute_won	Applied (-)	Customer wins the dispute of $50 transaction. - `balance` is unaffected at $950. - `dispute_balance` decreases by $50 to $0.
dispute_lost	Applied (+)	Customer loses the dispute of $50 transaction. - `balance` increases by $50 to $1,000. - `dispute_balance` decreases by $50 to $0.

Charge Off Balance

Applicable to both deposit and credit balances.

For charge offs, Lead tracks charge_off_balance (if Credit: across balance, principal, interest and fees) in the Balances file as well as charge-off transactions affecting the balance. Below are examples of charge-offs for deposit and credit balances.

Charge Offs on the Deposit Balance

Type	Amount Action	Example
charge_off	Applied (+)	The customer is overdrawn $100 (deposit balance = -$100) and has surpassed the threshold for repayment. A charge-off transaction of $100 is run. - `balance` increases by $100 to $0. - `charge_off_balance` increases by $100 to $100.
charge_off_recovery	Applied (-)	Customer deposits $100 to pay off the `charge_off_balance`. - `balance` is unaffected at $0. - `charge_off_balance` decreases by $100 to $0.

Charge Offs on the Credit Balance

Type	Amount Action	Example
charge_off	Applied (-)	A $100 loan (credit balance = $100) has been charged off. - `balance` decreases by $100 to $0. - `charge_off_balance` increases by $100 to $100.
charge_off_recovery	Applied (-)	Customer deposits $100 to pay off the `charge_off_balance`. - `balance` is unaffected at $0. - `charge_off_balance` decreases by $100 to $0.

Interest Accrued Balance

Applicable to deposit balance only if your program offers interest.

For deposit balances, Lead tracks interest_accrued_balance to record cumulative interest accrued. interest_accrued and interest_paid impact interest_accrued_balance, while interest_paid also affects the deposit balance.For example, with a beginning deposit balance of $100, interest accrues at $1 daily, reaching $30 by month-end.

day 1-30: The interest_accrued_balance increases daily. At month-end, the deposit balance remains $100, and interest_accrued_balance is $30.
After interest_paid, the deposit balance becomes $130, and interest_accrued_balance resets to $0.

Interest on the Deposit Balance

Type	Amount Action	Example
interest_accrued	Applied (+) / Reversed (-)	Interest accrues $1 daily. - `balance` is unaffected. - `interest_accrued_balance` increases by $1 daily. By day 30, `interest_accrued_balance` is $30.
interest_paid	Applied (+) / Reversed (-)	$30 of accrued interest is paid to the customer on day 30. - `balance` increases by $30 to $30. - `interest_accrued_balance` decreases by $30 to $0.

Past Due Balance

Applicable to credit balance only.

For credit balances, Lead tracks past_due_balance for any loans that are past due. past_due_balance is not directly affected by transactions.amount. Instead, credit balance enters past due status if the customer fails to make the scheduled payment by the due date.See the example below for how past_due_balance interacts with balance.For simplicity, we assume all past due balances apply to principal only. However, in reality, past due amounts may be distributed across principal, fees, and interest.

A $500 loan payment is due on March 1st, but the customer misses the payment.
April 1st: Loan is 30+ Days Past Due. balance remains unchanged at $500, but the loan is now classified as past due. Outstanding balances and past due balances are updated accordingly across principal, interest, and fees.
- balance: $500
  - outstanding_principal: $500
  - outstanding_interest: $0
  - outstanding_fees: $0
- past_due_balance: $500
  - past_due_principal: $500
  - past_due_interest: $0
  - past_due_fees: $0
July 1st: Loan is 120+ Days Past Due and Charged Off. Loan remains unpaid for 120+ days.
Client charges off the loan, moving the balance to charge_off_balance. transactions.amount of $500 is recorded under transactions.type = charge_off. Note: Charge-off timelines may vary between closed-end and open-end loans and must follow applicable regulatory guidelines.
- balance: $0 (loan is fully charged off)
  - outstanding_principal: $0
  - outstanding_interest: $0
  - outstanding_fees: $0
- past_due_balance: $0 (past due balance is cleared)
  - past_due_principal: $0
  - past_due_interest: $0
  - past_due_fees: $0
- charge_off_balance: $500 (loan is now recorded as a charge-off)
  - charge_off_principal: $500
  - charge_off_interest: $0
  - charge_off_fees: $0

Foundations

File Guides

Overview

Deposit Balance

Credit Balance

Examples

Rewards on the Debit Card or Deposit Balance

Rewards on the Credit Card

Disputes on the Deposit Balance

Disputes on the Credit Balance

Charge Offs on the Deposit Balance

Charge Offs on the Credit Balance

Interest on the Deposit Balance

​Overview

​Deposit Balance

​Credit Balance

​Examples

​Rewards on the Debit Card or Deposit Balance

​Rewards on the Credit Card

​Disputes on the Deposit Balance

​Disputes on the Credit Balance

​Charge Offs on the Deposit Balance

​Charge Offs on the Credit Balance

​Interest on the Deposit Balance

Overview

Deposit Balance

Credit Balance

Examples

Rewards on the Debit Card or Deposit Balance

Rewards on the Credit Card

Disputes on the Deposit Balance

Disputes on the Credit Balance

Charge Offs on the Deposit Balance

Charge Offs on the Credit Balance

Interest on the Deposit Balance