Transactions

Documentation Index

Fetch the complete documentation index at: https://docs.withacclaim.com/llms.txt

Use this file to discover all available pages before exploring further.

Transactions record every movement of funds within Treasury. They form a complete ledger of activity, allowing you to track how money enters, moves through, and leaves your accounts.

---

​

How transactions work

Every change to a balance is recorded as a transaction.

• Transactions are created when funds move
• Each transaction is associated with an account
• Transactions update balances in real time

This ensures that balances are always derived from a consistent source of truth.

---

​

Transaction types

Transactions represent different types of financial activity. Common examples include:

• Incoming payments — funds received from Collect
• Payouts — funds sent through Disburse
• Refunds — funds returned to payers
• Funding — funds added to Treasury
• Withdrawals — funds moved out of Treasury
• FX conversions — value moved between currencies
• Fees — charges associated with processing

Each transaction reflects a specific movement of funds.

---

​

Debit and credit model

Transactions follow a debit and credit model aligned with bank account assets.

• Debits increase the balance of an account
• Credits decrease the balance of an account

For example:

• An incoming payment or deposit creates a debit
• A payout or withdrawal creates a credit

This reflects the behavior of accounts as assets in your ledger.

---

​

Transaction lifecycle

Transactions may move through states as they are processed.

• Pending — the transaction has been created but not finalized
• Completed — the transaction is finalized and reflected in available balance

Pending transactions contribute to pending balance and become available once completed.

---

​

Relationship to accounts and balances

Transactions are the foundation of Treasury.

• Accounts organize where transactions occur
• Balances summarize the result of all transactions
• Transactions provide the detailed record of activity

If balances answer “what do I have,” transactions answer “what happened.”

---

​

FX transactions

FX conversions create multiple transactions.

• A debit from the source currency account
• A credit to the destination currency account

This ensures that currency movements are fully tracked and auditable.

---

​

Tracking transactions

You can view transactions in the Console or access them via API. Each transaction includes:

• Amount and currency
• Type (e.g. payment, payout, FX)
• Status (pending or completed)
• Associated account
• Related objects (e.g. payment, payout)
• Timestamps

This information can be used for reconciliation and reporting.

---

​

Using transactions

Transactions are used to:

• Audit fund movements
• Reconcile balances with internal systems
• Investigate issues or discrepancies
• Build financial reporting

They provide a complete and traceable history of all activity.

---

​

Key behaviors

• Every balance change is driven by a transaction
• Transactions are recorded at the account level
• Debits decrease balances and credits increase balances
• Pending transactions become available once completed
• FX creates transactions across multiple accounts

---

​

Summary

• Transactions are the ledger of all fund movements
• They drive all balance changes
• They provide a complete and auditable history
• They connect accounts, balances, and payment activity