Settlements & Funding

The Nomupay Merchant Dashboard provides access to settlement data, allowing merchants to track payouts, monitor incoming funds, and manage cash flow efficiently. It offers a consolidated view of balances, funding activities, and transaction-level details in one central location. Settlement data is available from February 1, 2025 onward.

To access settlement data, log in to the Nomupay Merchant Dashboard and navigate to Finance > Settlements.

Balances

The Balances tab provides a high-level overview of settlement funds, displayed in two key sections: Currency Balances and Balance History. Merchants can monitor available balances, reserve funds, and historical settlement trends.

• Currency Balances

  The Currency Balances table organizes settlement amounts by currency, providing a clear breakdown of available funds. A bar chart offers a visual comparison across different currencies, making it easy to track balances at a glance.

  The chart presents total balance amounts for each currency (e.g., EUR, GBP, USD) and includes an option to toggle between Account Balance and Reserve Balance for a more detailed view.

  Item	Description	Example
  Selection	A checkbox used to select a specific currency balance. Selecting a row updates the Balance History table and chart.
  Merchant Name	The name of the merchant account associated with the settlement.	Example Merchant
  Currency	The settlement currency for the merchant's account.	GBP
  Account Balance	The available settlement balance for the selected currency.	57,838.71
  Reserve Balance	Funds held in reserve, not yet available for payout. Only visible if the merchant account has a reserve set.	0.00
  Total Balance	The final available balance after subtracting the reserve.	57,838.71

• Balance History

  The Balance History section provides a record of settlement balances over time, helping to track daily closing amounts. Selecting a currency updates both the table and line chart, ensuring an accurate view of historical trends.

  The table presents a breakdown of balances by date, while the line chart visually highlights changes over time. Hovering over a data point reveals the closing balance for that specific date.

  Merchant ID	Balance Currency	Balance Date	Closing Balance
  123456	GBP	2025-02-10	26,361.33

Funding

The Funding tab provides a breakdown of funding activity, allowing you to track past and upcoming funding payments. A visual summary highlights activity over the past month, with options to adjust the date range. Funding is categorized into:

• Expected Funding – Funds pending settlement.
• Settlement Funded – Funds that have been settled.

Adjusting the date range updates both the Funding Summary and Total Fees. Selecting a Settlement Funded entry filters data to that specific day and enables the option to download reports.

• Funding Summary

  The Funding Summary provides a breakdown of transactions contributing to funding activity. The data updates dynamically based on the selected date range or a specific funding date.

  Example: EUR funding summary for 02/02/2025 - 04/03/2025

  Transaction Type	Funding Amount
  Authorization (declined)	-13,806.76
  Chargeback	-1,233.59
  Internal Adjustment	-956.03
  Refund	-9,216.16
  Representment	4,530.55
  Sale	2,165,092.94
  Total	2,144,410.95

• Total Fees

  The Total Fees section provides an overview of processing fees related to the selected funding currency and time range.

  Example: Total fees for EUR from 02/02/2025 - 04/03/2025

  Category	Amount (EUR)
  Transactions Count	121,357
  Gateway Fee	-45,075.17
  Interchange Fee	-39,881.72
  Scheme Fee	-44,895.24
  FX Fee	-10,944.28
  MDR +	-83,446.94

Transactions

The Transactions tab displays a table of all settled payments, including key details such as status, payment method, and funding amounts. By default, it shows transactions from today, with filters available to refine results. See the available filters below, including a transactions table example. For downloading transaction details, please refer to Reporting.

• Date Range

  Filter transactions by a selected time period.

  Payout Status

  Filter transactions based on their payout status.

  Transaction Type

  Filter transactions by type.

  Payment Method

  Filter transactions by payment method.

  Transaction Currency

  Filter transactions by the currency used at payment.

  Funding Currency

  Filter transactions by the settlement currency.

Reporting

Reports are available for both transactions and funding activity, offering a detailed breakdown of payment processing and settlement data. They support tracking, analysis, and record-keeping by providing key insights into financial activity. Use the toggles below to view details about each report type and how to download them.

• Funding reports provide a structured summary of settlement activity for a selected specific day. To download a Funding report, select a specific date on the funding activity graph. This will update the data to show funding details for that day and enable the Download Reports option. Reports are available in the following formats:

  • Daily Funding Statement (PDF) – A structured summary including funding types, reserve balances, and total fees.
  • Daily Funding Report (CSV) – A detailed breakdown of all transactions contributing to the funding amount for the selected day.

• Transaction reports provide a detailed record of all processed payments, including key details such as status, payment method, and funding amounts.

  To download a Transaction report, navigate to the Transactions tab and select Download Reports. Reports are available in the following format:

  • Transaction Report (CSV) – A comprehensive export of all processed transactions within the selected date range, containing the same details displayed in the Transactions table for further reconciliation and offline analysis.