Interchange Overview Report

Last updated: June 11, 2026

If configured for delivery, this report is delivered to your AWS S3 bucket on a recurring basis. Each row represents a single pass-through fee (interchange or network) assessed against an individual transaction. This report gives your finance team the ability to reconcile auto-debit batch amounts down to the individual transaction level.

The report is structured around two levels of grouping:

Batch-Level: a single ACH debit that Astra initiates against your connected billing account to collect fees across many transactions.
Transfer-Level: each individual payment transaction and its associated fees that roll up into that batch.

Field Reference

The table below describes every column in the CSV file.

Tip: Understanding Batch-Level and Transfer-Level Fields

Batch-Level Fields will contain the same value on every row within a batch. Transfer-Level Fields are unique per transaction / fee type.

Column Name	Type	Description	Field-Level
client_id	String (UUID)	Unique identifier for your client in the Astra system.	Batch-Level
client_name	String	Display name of your client.	Batch-Level
batch_id	String (UUID)	Unique identifier for the ACH batch transfer Astra initiated to collect fees from your billing account. Multiple rows share this ID when multiple transactions are bundled into a single debit.	Batch-Level
batch_status	String	Current status of the ACH batch. Typical values: pending, completed, failed.	Batch-Level
batch_created	Timestamp (UTC)	Date and time the batch transfer was created. All times are in UTC.	Batch-Level
batch_addenda	String	The ACH addenda record attached to the batch transfer. This text appears in your bank statement and can be used to match the debit on your bank statement to this report.	Batch-Level
batch_item_type	String	Category of fees included in the batch. interchange_network_fees indicates the batch covers interchange fees, network fees, or both.	Batch-Level
batch_amount	Decimal (USD)	The total dollar amount of the ACH debit Astra initiated against your billing account for this batch. This is the amount you should see on your bank statement for the corresponding batch_addenda entry.	Batch-Level
transfer_id	String (UUID)	Unique identifier for the Astra transfer. A transfer represents the full end-to-end payment and may consist of multiple segments (e.g., a pull followed by a push). One transfer can appear on multiple rows if it has both an interchange fee and a network fee.	Transfer-Level
transfer_created	Timestamp (UTC)	Date and time the Astra transfer was created.	Transfer-Level
debit_transfer_id	String (UUID)	Unique identifier for the specific segment of the payment route (an AFT pull or OCT push). This is the most granular transaction identifier in the report.	Transfer-Level
debit_transfer_type	String	Type of card transaction segment: AFT (Account Funding Transaction, a pull of funds) or OCT (Original Credit Transaction, a push of funds).	Transfer-Level
transfer_fee_type	String	The type of fee on this row. Values: interchange (an interchange fee charged by the card network) or network (a per-transaction fee charged by Visa).	Transfer-Level
assessed_transfer_fee_amount	Decimal (USD)	The most current fee amount on file from the card networks for this transaction and fee type. This value may be updated after the batch is created if the network sends a revised file. The sum of this column may therefore differ from batch_amount.	Transfer-Level
debited_transfer_fee_amount	Decimal (USD)	The fee amount that Astra has attempted or successfully collected from your billing account as part of the associated batch. This is the amount that contributes to batch_amount.	Transfer-Level

Reconciliation Guide

Step 1: Match the batch to your bank statement

Each batch corresponds to a single ACH debit on your connected billing account. To find the matching transaction on your bank statement:

Locate the debit with an amount equal to batch_amount.
Confirm the memo or description field contains the text from batch_addenda (e.g., "Astra - Interchange - VwUWr8QK4n").
Confirm the date is consistent with batch_created.

Tip: There is one batch_id per bank statement line.

All rows that share a batch_id correspond to a single line on your bank statement. Filter the report by batch_id to see every transaction that was rolled into that debit.

Step 2: Reconcile the batch amount to transaction fees

The sum of debited_transfer_fee_amount for all rows within a batch_id will equal

batch_amount. This is the amount you were charged. To calculate the batch amount on the report:

Filter the report to a single batch_id.
Sum the debited_transfer_fee_amount column.
Compare the result to the batch_amount value (identical on every row for that batch).

You may notice that the sum of assessed_transfer_fee_amount differs from batch_amount. This is expected behavior. Use assessed_transfer_fee_amount for cost analysis and trend reporting. Use debited_transfer_fee_amount for cash reconciliation against your bank account.

Why assessed and debited amounts can differ.

The card network may send an updated fee file for a transaction after it has already been batched and billed. When that happens, the updated fee is collected in a new batch rather than modifying the original. This means the same transaction can contribute debited amounts across multiple batches. The assessed_transfer_fee_amount column always reflects the latest figure from the network. Any difference between total amounts collected and the final assessed fee is reconciled and refunded at invoice time.

Sample Data Walkthrough

The following example shows three rows from the same batch.

client_name	batch_id	batch_addenda	batch_amount	transfer_fee_type	assessed_transfer_fee_amount	debited_transfer_fee_amount	batch_status	debit_transfer_type
Client Name	0f399fca ...	Astra-Interchange -VwUWr8QK4n	$3,438.53	network	$0.56	$0.56	completed	AFT
Client Name	0f399fca ...	Astra-Interchange - VwUWr8QK4n	$3,438.53	network	$1.12	$1.06	completed	AFT
Client Name	0f399fca ...	Astra-Interchange - VwUWr8QK4n	$3,438.53	interchange	$14.20	$14.20	completed	AFT

Explanation:

All three rows share the same batch_id and batch_amount ($3,438.53), meaning they were all collected in a single ACH debit on your billing account.
Row 2 shows assessed_transfer_fee_amount ($1.12) that differs from debited_transfer_fee_amount ($1.06). The network updated the fee file after this batch closed. Your bank statement reflects $1.06.
Row 3 is on the same transfer_id as Row 2 (same payment), but carries an interchange fee instead of a network fee. Both rows contribute to the $3,438.53 batch total.

FAQs

Why does the same transfer_id appear on multiple rows?
A single payment can generate both a network fee and an interchange fee. Each fee type is reported on its own row, so you may see the same transfer_id twice: once with transfer_fee_type = network and once with transfer_fee_type = interchange. Add both rows to get the total fee cost for that transfer.

What is the difference between AFT and OCT?
AFT (Account Funding Transaction) is a pull: Astra debits the end user's card to fund a transfer.
OCT (Original Credit Transaction) is a push: Astra credits the end user's card to deliver funds.
Both transaction types may carry network fees. Interchange fees are more common on AFT transactions.

What should I do if the sum of debited_transfer_fee_amount does not match my bank statement?
First, confirm you are filtering to the correct batch_id. Each batch maps to exactly one bank statement line. If the totals still do not reconcile, contact your Astra account representative with the batch_id in question and the amount discrepancy.

Why might assessed_transfer_fee_amount differ from debited_transfer_fee_amount?
The same transaction can appear across multiple batches as the card network sends updated fee files. For example: Astra receives a file showing a $0.50 fee for a transaction and collects $0.50 in a batch. The next day, the network sends a revised file showing the fee is $0.40. Astra collects $0.40 in a subsequent batch. At that point, $0.90 has been collected against a $0.40 fee. The assessed_transfer_fee_amount column reflects the latest network figure ($0.40), while the debited_transfer_fee_amount entries across both batches show what was actually collected. Any excess amount is reconciled and refunded at invoice time. You will never be permanently overcharged.

What if I see a transfer_id that only has fees for either the AFT or the OCT, or appears to be missing fees?
Fee calculation and processing times vary depending on the processors, networks, and other parties involved in the transaction. For a given transfer_id, the AFT and OCT fees may not appear simultaneously in the Interchange & Network Fee report. For example, it is common for a transfer's OCT fees to appear in the aging report generated on Wednesday, while the same transfer's AFT fees appear in the report generated on Thursday.

Glossary

Term	Definition
ACH Batch	A bundled ACH debit that Astra initiates to collect multiple fees in a single bank transfer.
ACH Addenda	A text descriptor attached to an ACH entry, visible in your bank statement memo field.
AFT	Account Funding Transaction. A card debit (pull) used to fund a payment.
Assessed Fee	The fee amount currently on file from the card network. May be revised after the batch is created.
Debited Fee	The fee amount actually collected from your billing account in the associated batch.
Interchange Fee	A fee charged by the card network for a card debit transaction. Typically a percentage of the transaction amount.
Network Fee	A per-transaction fee charged by the network for processing a card transaction through their network.
OCT	Original Credit Transaction. A card credit (push) used to deliver funds to a recipient.
Transfer	An end-to-end Astra payment consisting of one or more segments (AFT pull, OCT push).