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Pagos ingests your Adyen data through a combination of webhooks and scheduled reports. To help you make accurate comparisons between your Adyen data and the data you see in Pagos Insights, this guide outlines which Adyen reports correspond to each area of Pagos.
We recommend validating your data on a daily or weekly basis rather than across longer periods. Shorter windows make it easier to spot patterns and discrepancies.

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Adyen Report Mapping

Each section of Pagos is powered by a specific Adyen report. Before starting your comparison analysis in Pagos Insights, confirm you’re using the right Adyen source:
Pagos Data TypeAdyen Source ReportCadence
Transactions & VerificationsPayment Accounting ReportDaily
RefundsPayment Accounting ReportDaily
Chargebacks & DisputesDispute ReportDaily
SettlementsSettlement Detail ReportDaily
FeesSettlement Detail ReportDaily
InvoicesInvoicesMonthly
Interchange & Network CostsInterchange & Scheme Fee ReportMonthly

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Conducting Data Comparisons

When comparing Adyen data to Pagos, we suggest the following steps:
1

Identify what you're comparing

Use the table above to confirm you are starting from the right Adyen source report for the data you’re reviewing. For example, are you looking at transaction counts, refund volume, or fee totals?
2

Scope your time window and time zone

Apply the same date range in both Pagos and your Adyen export, as mismatched date ranges are the most common reason numbers look different. We recommend starting with a single day or a 7-day window. Additionally, ensure the Adyen export time zone matches your time zone setting in Pagos.
3

Match your MIDs

If you have multiple merchant accounts connected to Pagos, make sure your Adyen export is filtered to the same MID(s) you’re reviewing in Pagos.
4

Compare at the summary level

Compare the totals for count (e.g. Transaction Count) and amount (e.g. Transaction Value) over the entire period you have scoped.
5

Note the nature of any discrepancies

Is it a count difference or an amount difference? Does it appear consistently across days or only on specific dates? This context will help you determine whether it is a structural difference (expected) or something worth investigating further.

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Common Differences

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Verifications

Adyen includes zero-value authorization checks (verifications) in the same report as standard transactions. Pagos tracks verifications separately from transactions. As a result, Adyen’s report will show higher totals for transaction and decline counts and values.

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Daily and Monthly Reports Serve Different Purposes

You can view some data in Pagos Insights (e.g. Fees) broken down by day or monthly invoice. These two views are powered by different Adyen reports and are designed for different purposes:
  • The daily view is best for operational monitoring and trend analysis.
  • The monthly invoice view is best for financial reconciliation.
Differences between the two views are expected and reflect how Adyen structures its reporting, including timing of adjustments and non-transactional charges.

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Pagos Shows Authorization Data (Not Settlement)

Pagos primarily organizes data around authorizations. Authorization amounts are the transaction amounts submitted to issuing banks for approval. By contrast, settlement amounts tell you what was ultimately settled downstream, which can differ from the authorized amount due to captures, adjustments, or timing lags. Keep this in mind when comparing against settlement-based Adyen reports, as differences in amounts or timings are often a reflection of where in the payment lifecycle each data source is anchored. The following Adyen reports are settlement-based:
  • Payment Accounting Report (also includes authorizations)
  • Settlement Detail Report
  • Invoices (also includes authorizations for received count)
  • Interchange & Scheme Fee Report
Beyond amounts, note that Adyen reports are also generally organized around settlement date (i.e the date when funds were booked or disbursed), not the date the transaction occurred. If you filter Pagos by transaction date, your totals may not align directly with an Adyen export scoped to the same calendar period. Accounting for this date type difference will resolve most timing-related gaps.

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Still Seeing a Difference?

If you have worked through the framework above and are still seeing an unexplained gap, reach out to your Pagos Account Manager with the following context:
  • Which area of the Pagos Service Panel you’re reviewing
  • Which Adyen report you’re comparing against
  • The date range and MID(s) in scope
  • Whether the difference is in count, amount, or both