Embedded Settlement Report | Cashfree Payments

The Settlement Recon report helps you reconcile all types of settlements for a selected date range. It lists settlements received in the specified date range, along with detailed information about transactions, adjustments/refunds against transactions, disputes, and more.

Generate settlement recon report

Follow these steps to generate and download a Settlement Recon report:

Log in to the Merchant Dashboard.
Navigate to Payment Gateway > Reports > Download Reports.
Click the Generate New Report button.
Configure your report settings:
- Report Type: Select Settlement Recon from the dropdown.
- Date Range: Choose the time period for the report.
- File Format: Select CSV or XLSX.
- File Name: Modify if needed, this is optional.
Click Generate Report.
Once generated, click the three dots (⋮) next to your report.
Click Download Report to save the file.
Click Share Report to share the report via email or mobile number and set the validity period.

Settlement recon report specification

Settlements
Transaction details

The Settlements section provides one row per settlement batch, showing what was settled, when it was processed, and the final amount credited to your bank account.The following table describes the parameters available in the settlements section of the settlement recon report:

Parameter	Sample value	Flag	Description
ID	208386848	id	Unique ID for the settlement generated by Cashfree. Use this ID to cross-reference the settlement in other reports.
Total Transaction Amount	110.00	amount	Sum of all eligible transaction amounts considered for this settlement before any charges, taxes, refunds, chargebacks, or other adjustments.
Settlement Amount	20.00	amount	Amount left after deducting Cashfree’s charges and other fees from the total transaction amount, before applying adjustments.
Adjustment	14.32	amount	Net effect of all adjustments linked to this settlement, such as chargebacks, refunds, and other adjustments. Can be positive or negative.
Net Settlement Amount	14.32	amount	Final amount credited to your bank account for this settlement after charges, taxes, and adjustments. This should match the credit seen in your bank statement.
From	2025-10-08 18:18:03	datetime	Date and time of the earliest transaction included in this settlement batch.
Till	2025-10-08 18:18:03	datetime	Date and time of the latest transaction included in this settlement batch.
Status	Processed	enum	Current status of the settlement for example: Processed, Pending, Failed.
UTR No.	AXISCN1169361047	id	Bank reference number (UTR) for this settlement payout. You can use this to match the settlement with the entry in your bank statement.
Settlement Date	2025-10-08 18:18:03	datetime	Date and time when the settlement was successfully processed and confirmed.
Settlement Type	STANDARD	enum	Type of settlement, such as STANDARD, INSTANT, or ON_DEMAND.
Settlement Charge	20.00	amount	Total settlement-level charges applied for this settlement batch.
Settlement Tax	10.00	amount	Tax amount applied on the settlement charges.
Remarks	Settled	text	Any additional comments or notes added to the settlement, usually to highlight exceptions or special handling.

The Transaction details section shows detailed information for each individual transaction and event included in the settlements. Each row represents a specific event such as payment, refund, or chargeback.The following table describes the parameters available in the transaction details section of the settlement recon report:

Parameter	Sample value	Flag	Description
Event ID	4387450090	id	Unique ID for the event in Cashfree systems such as: payment, refund, chargeback, dispute, or adjustment. This ID is always generated by Cashfree.
Event Type	PAYMENT	enum	Category of the event. Typical values include PAYMENT, REFUND, CHARGEBACK, CHARGEBACK_REVERSE, DISPUTE, DISPUTE_REVERSE, RISK, RISK_REVERSE, OTHER_ADJUSTMENT, etc.
Sale Type	CREDIT	enum	Indicates whether the event increases or decreases the amount eligible for settlement. CREDIT increases the amount; DEBIT decreases it.
Event Currency	INR	currency	Currency in which the event amount is recorded. For payments, this is the transaction currency.
Event Time	2025-09-26 15:05:12	datetime	Date and time when the event actually occurred (for example, when the payment was created or the refund initiated).
Processed On	2025-10-08 15:35:50	datetime	Date and time when this event was processed for settlement.
Status	SUCCESS	enum	Status of the event. Important for events such as refunds, disputes and chargebacks for example: SUCCESS, PENDING, FAILED, N/A.
Event Amount	3.00	amount	Original amount of the event in the event currency.
Event Settlement Amount	3.00	amount	Portion of the event amount that is considered for settlement after applying relevant charges and taxes.
Settlement Date	2025-10-08 15:35:50	datetime	Date on which this event was included in a settlement.
UTR	AXISCN1169361047	id	UTR of the settlement in which this event was included. Use this to link the event to the settlement in the summary section and your bank statement.
Refund Type	–	enum	For refund events, shows whether the refund is standard or instant. Blank for non-refund events.
Refund ARN	–	id	ARN/RRN for refund transactions, when available (usually for card or UPI refunds). Blank for non-refund events.
Adjustment Remarks	–	text	Notes explaining an OTHER_ADJUSTMENT or similar event. Blank for regular payment or refund events.
Merchant Reference ID	CFPay_r9291pj3m5bg_1ka6odkrf4	id	Order ID sent by you while creating the payment in the Create Order API. Use this to map the event to your internal systems.
Customer Reference ID	CUST123	id	Customer identifier that you provided for the transaction for example; your internal customer ID.
Cashfree Reference ID	4273894975	id	Unique payment ID generated by Cashfree. Useful for matching the event with payment-specific reports.
Customer Name	Ravi Kumar	text	Customer name sent by you for the transaction.
Customer Phone	917837674034	text	Customer phone number sent by you for the transaction.
Customer Email	ravi@example.com	text	Customer email address sent by you for the transaction.
Currency	INR	currency	Currency in which the order was created with Cashfree.
Transaction Amount	3.00	amount	Amount charged to the customer for the payment.
Transaction Service Charge	5.10	amount	Service charges applied on this transaction.
Txn ST/GST	0.92	amount	Tax applied on the transaction service charge.
Net Settlement Amount	3.00	amount	Amount from this transaction that is eligible for settlement after deducting transaction-level charges and taxes.
Transaction Time	2025-09-26 15:05:12	datetime	Date and time when the payment was successfully completed.
Payment Mode	UPI	enum	Mode used for the payment, such as CARD, NETBANKING, WALLET, UPI, etc.
Bank Name	HDFC Bank	text	For card and net-banking payments, the issuing bank name. For UPI payments, the UPI channel or app name.
Auth ID	123456	id	Authorisation ID for card transactions, when available. Empty for non-card payments.
Card Type (Scheme)	visa	enum	Card network used for the transaction, such as visa, mastercard, rupay, amex, diners, maestro. Applies only to card payments.
Vendor ID 1	ani_vendor_1	id	ID of the first vendor to whom part of the transaction amount was split using Cashfree Easy Split.
Vendor Amount 1	100.00	amount	Amount allocated to the first vendor under Easy Split.
Vendor ID 2	–	id	ID of the second vendor for the same transaction, if the amount was split further.
Vendor Amount 2	–	amount	Amount allocated to the second vendor.
Vendor ID 3	–	id	ID of the third vendor, if applicable.
Vendor Amount 3	–	amount	Amount allocated to the third vendor.
Vendor ID 4	–	id	ID of the fourth vendor, if applicable.
Vendor Amount 4	–	amount	Amount allocated to the fourth vendor.
Vendor ID 5	–	id	ID of the fifth vendor, if applicable.
Vendor Amount 5	–	amount	Amount allocated to the fifth vendor.
Key_1	cf_link_id	text	Name of the first custom key that you passed in `order_tags` while creating the order.
Value_1	111908804	text	Value of the first custom key from `order_tags`.
Key_2	–	text	Name of the second custom key from `order_tags`, if present.
Value_2	–	text	Value of the second custom key from `order_tags`, if present.
Key_3	–	text	Name of the third custom key from `order_tags`, if present.
Value_3	–	text	Value of the third custom key from `order_tags`, if present.
Order Amount	3.00	amount	Order-level amount associated with this payment, as specified when the order was created.
Payment Mode SubType	UPI	enum	More specific classification of the payment mode, if applicable for example, corporate credit card.

Custom reconciliation fields (`order_tags`)

Use the order_tags object on the Create Order API to attach custom string key-value pairs to an order. Each key and value must be between 1 and 255 characters. You can pass up to 10 tags per order. The first three key-value pairs from order_tags surface in the Transaction details section of this report as Key_1/Value_1, Key_2/Value_2, and Key_3/Value_3. Additional tags remain on the order but don’t appear in the Settlement Recon export. Use order_tags for any business-specific identifiers you need at settlement time—for example branch or outlet ID, campaign code, internal invoice reference, or membership tier. Pass only the fields you need for reconciliation and limit order_tags to three keys so they map clearly to Key_1 through Key_3.

The first three keys in your request determine which columns appear in the report. Name keys consistently across orders so finance teams can filter and pivot on Value_1, Value_2, and Value_3.

Example: education and multi-institute fee collection

"order_tags": {
  "institute_code": "INST001",
  "roll_number": "2024001234",
  "division": "A"
}

After settlement, filter or pivot the downloaded report on Value_1, Value_2, or Value_3 to reconcile collections by institute, student, or division. The same approach applies to other use cases using different key names.

​Generate settlement recon report

​Settlement recon report specification

​Custom reconciliation fields (order_tags)

Generate settlement recon report

Settlement recon report specification

Custom reconciliation fields (`order_tags`)