Overview
Lead tracks the end-of-day account balance fortype = 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 transations.amount for transations.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 transations.amount for transations.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 oftransactions.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
Rewards
Applicable to Both Deposit and Credit Balances if your program offers rewards.
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_balancemay 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_refund | 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
Dispute Balance
Applicable to both deposit and credit balances.
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.Disptues 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. - balanceis 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
Charge Off Balance
Applicable to both deposit and credit balances.
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_of | 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
Interest Accrued Balance
Applicable to deposit balance only if your program offers interest.
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_balanceincreases daily. At month-end, the deposit balance remains $100, andinterest_accrued_balanceis $30. - After
interest_paid, the deposit balance becomes $130, andinterest_accrued_balanceresets 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
Past Due Balance
Applicable to credit balance only.
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.
balanceremains 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: $500outstanding_principal: $500outstanding_interest: $0outstanding_fees: $0
past_due_balance: $500past_due_principal: $500past_due_interest: $0past_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 tocharge_off_balance.transactions.amountof $500 is recorded undertransactions.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: $0outstanding_interest: $0outstanding_fees: $0
past_due_balance: $0 (past due balance is cleared)past_due_principal: $0past_due_interest: $0past_due_fees: $0
charge_off_balance: $500 (loan is now recorded as a charge-off)charge_off_principal: $500charge_off_interest: $0charge_off_fees: $0