Merchant Funding

Merchant Funding offers a consolidated view of funding activity, bringing together balances and payout information in a single place for clear financial oversight. To access funding data, log in to the Nomupay Portal and navigate to Finance Merchant Funding.

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.

The Balances section provides a high-level overview of funding balances across supported currencies. It presents current account and reserve positions alongside historical trends for clear visibility of funding activity over time.

• Currency Balances

  Currency Balances displays funding amounts grouped by currency, offering a clear breakdown of available funds. A comparative chart presents balance distribution across supported currencies.

  Account Balance reflects cleared transactions assigned to the agreed settlement cycle, while Reserve Balance represents funds held according to the configured reserve settings. Total Balance combines both values for each currency.

  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

  Balance History provides a date-based view of funding balances, highlighting how account and reserve positions change over time. The table and chart update in line with the selected currency to support clear trend analysis.

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

Funding Overview

Funding Overview summarises funding activity over the selected period, presenting expected funding, completed payouts and related adjustments in a single visual overview. All values adjust dynamically based on the chosen date range.

• 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.

• 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.

  Funding Summary provides a breakdown of transactions contributing to funding activity. Adjustments such as sales, refunds, chargebacks and fees are grouped to provide a clear view of net funding calculations.

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

  Transaction Type	Funding Amount
  Authorisation (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

  Total Fees presents a breakdown of processing and gateway fees associated with the selected currency and date range. All fee components contributing to the net funding amount are displayed in a consolidated view.

  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

Funding Transactions

Funding Transactions lists processed payments contributing to funding activity, including transaction status, method, currency and funding amounts. Filters allow the table to be refined by payout status, payment method, date range and transaction type.

This view represents the underlying data used for Reporting and provides detailed visibility into each funding-related transaction.

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

Reporting provides downloadable summaries of funding activity and processed transactions. These exports support reconciliation, financial analysis and long-term record-keeping.

• Funding reports deliver structured daily summaries of funding activity. Selecting a date within Funding Overview enables downloading a daily statement or detailed transaction-level funding report in PDF or CSV format.
  • 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 complete export of processed transactions for the selected date range. The CSV mirrors the information displayed in Funding Transactions and supports offline reconciliation and audit processes.

  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.