# Settlement data and deposit reconciliation

This FAQ explains what settlement and deposit data Bead provides for reconciliation.

Use this page when you need to understand whether settlement data is available as an API response, a file, or a bank deposit reference, and how to connect a funded deposit back to settlement records, batches, and payments.

#### Does Bead provide a settlement file?

Bead exposes settlement, batch, deposit, and payment-level settlement data through APIs.

The standard integration path is API-based reconciliation. Bead does not require integrators to consume provider-level settlement files or use a bank deposit reference as the only reconciliation source.

If a partner needs a custom settlement export or file delivery process, that should be handled as a separate implementation requirement with Bead.

#### Is the bank deposit enough for reconciliation?

A bank deposit confirms that funds moved to the destination account, but it should not be treated as the only source of reconciliation detail.

For reconciliation, use the Bead deposit record, settlement record, batch records, and payment-level settlement records. These API records provide the identifiers and amounts needed to connect a funded movement back to the underlying settlement and payment activity.

#### What data is included with a deposit?

A deposit record represents funded movement associated with settlement.

A deposit record can include:

| Field                   | Description                                                     |
| ----------------------- | --------------------------------------------------------------- |
| `id`                    | Unique deposit identifier.                                      |
| `merchantId`            | Merchant associated with the deposit record.                    |
| `destinationMerchantId` | Destination merchant for the funded movement.                   |
| `settlementId`          | Settlement associated with the deposit.                         |
| `status`                | Current deposit status.                                         |
| `amount`                | Deposit amount.                                                 |
| `feeAmount`             | Fee amount associated with the deposit, when applicable.        |
| `method`                | Deposit method, such as ACH or wire.                            |
| `maskedRoutingNumber`   | Masked routing number for reconciliation and support reference. |
| `maskedAccountNumber`   | Masked account number for reconciliation and support reference. |
| `created`               | Date and time the deposit record was created.                   |
| `updated`               | Date and time the deposit record was last updated.              |
| `dispatchedDate`        | Date and time the deposit was dispatched.                       |
| `transferType`          | Type of transfer associated with the deposit.                   |

Deposit status values can include:

* `dispatched`
* `paid`
* `error`

Transfer type values can include:

* `sale`
* `refund`
* `chargeback`

Full bank account and routing details are not returned in deposit responses. Deposit responses use masked bank fields for support and reconciliation reference.

#### What fields are in a settlement record?

A settlement record provides the top-level settlement view.

A settlement record can include:

| Field                  | Description                                                 |
| ---------------------- | ----------------------------------------------------------- |
| `id`                   | Unique settlement identifier.                               |
| `merchantId`           | Merchant associated with the settlement.                    |
| `type`                 | Settlement category.                                        |
| `networkTypes`         | Network types included in the settlement.                   |
| `status`               | Current settlement status.                                  |
| `batchIds`             | Batch IDs included in the settlement.                       |
| `settlementSweepId`    | Optional settlement sweep identifier.                       |
| `grossFundableAmount`  | Gross fundable amount before fees and adjustments.          |
| `totalTransactionFees` | Total transaction fees included in the settlement.          |
| `depositFees`          | Deposit fees included in the settlement.                    |
| `adjustments`          | Adjustments applied to the settlement.                      |
| `netFundableAmount`    | Net fundable amount after fees and adjustments.             |
| `achTransferId`        | Optional ACH transfer identifier.                           |
| `outgoingAchIds`       | Outgoing ACH identifiers associated with the settlement.    |
| `targetPayoutDate`     | Target payout date for the settlement.                      |
| `settlementDate`       | Date and time the settlement was completed, when available. |
| `created`              | Date and time the settlement record was created.            |
| `updated`              | Date and time the settlement record was last updated.       |

Settlement status values can include:

* `cleared`
* `hold`
* `dispatched`
* `paid`

#### How do I reconcile a deposit back to payments?

A typical reconciliation flow is:

1. Start with the deposit record.
2. Use the deposit’s `settlementId` to retrieve the related settlement record.
3. Review the settlement record’s `batchIds`, gross fundable amount, fees, adjustments, and net fundable amount.
4. Retrieve the related batch records to identify grouped payment activity.
5. Use payment-level settlement records when you need to connect the settlement back to individual payments.
6. Use Reporting APIs when you need payment history, tender type, status, reference, terminal, or date-range filters.

#### Which APIs should I use?

Use [Deposits](/settlement/deposits.md) when you need the funded movement record.

Use [Settlement Records](/settlement/settlement-records.md) when you need the top-level settlement event.

Use [Batches](/settlement/batches.md) when you need to understand which payments were grouped together.

Use [Payment Settlements](/settlement/payment-settlements.md) when you need payment-level settlement detail.

Use [Reporting](/reporting.md) when you need payment history before reviewing settlement.

#### Related pages

* [Settlement](/settlement.md)
* [Settlement Records](/settlement/settlement-records.md)
* [Deposits](/settlement/deposits.md)
* [Batches](/settlement/batches.md)
* [Payment Settlements](/settlement/payment-settlements.md)
* [Merchant Settlements](/settlement/merchant-settlements.md)
* [Reporting](/reporting.md)


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://developers.bead.xyz/faqs-and-troubleshooting/settlement-faqs/settlement-data-and-deposit-reconciliation.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.