In this article, we will explain the following topics about Rydoo cards for Finance related to exports and reports:
- Expenses: Filter expenses paid with Rydoo cards
- Expenses: Filter expenses by transaction status
- Transactions: Filter transactions by status and payment method type
- Transactions: Export transactions with Rydoo cards
- Account statements
Filter expenses paid with Rydoo cards
1. Go to Expenses page. Make sure you're in the Finance role.
2. Filter on payment method Rydoo card.
Filter expenses by transaction status
1. Go to Expenses page.
2. Filter on Transaction status. This will reflect the status of the matched transaction.
Filter transactions with Rydoo cards and transaction status
1. Go to Transactions page. Make sure you're in the Finance role and are looking at all transactions.
2. Filter on payment method Rydoo card and the transactions status you want to filter on.
Export transactions with Rydoo cards
1. Go to Transactions page. Make sure you're in the Finance role and are looking at all transactions.
2. Filter on payment method Rydoo card.
3. Select all expenses.
4. Click export.
Monthly Account Statements
The account statements provide a breakdown of monthly Rydoo card wallet changes:
- Beg. of month - the wallet balance at the beginning of the month
- Debit - sum of debit events made in a month (transactions done with Rydoo Cards or payouts from Stripe wallet)
- Credit - sum of credit events made in a month (mostly wallet top-ups and refunded Rydoo Cards transactions)
- End of month - the wallet balance at the end of the month
- Pending - sum of all authorisations that weren’t captured by the end of the month
It is possible to export the statements in XLSX.
Understanding Rydoo Wallet Account Statements
In this article, we will explain the following topics to understand how Rydoo card wallet statements work:
- Common card transaction types
- Card transaction cycle and statuses
- How Rydoo card statements are populated
- Rydoo card statement Excel file
- Rydoo wallet statement transactions and expenses
Common card transaction types
There are two main transactions types when it comes to card issuing:
An authorisation appears first in the card statement. It shows that the merchant has reserved funds for a purchase after the cardholder has approved the transaction by entering valid card details.
A capture follows an authorisation when the reserved funds are transferred from the cardholder’s wallet to the merchant’s wallet through the payment network.
You might also come across:
Reversals, which cancel a previous authorisation. In this case, the merchant decides not to proceed with the purchase, and the reserved funds are released back to the cardholder’s wallet.
Refunds, which return funds to the cardholder after they’ve already been captured. The merchant initiates this return through the card network.
Less common transaction types include:
- Partial reversal – cancels a portion of the authorised amount
- Partial capture – captures only part of the authorised funds
- Force capture – used when a merchant manually enters an approval code to complete a transaction
- Over-capture – captures more than the initially authorised amount (a type of transaction update)
- Incremental authorisation – requests additional funds on top of an existing authorisation (also an update)
- Pre-authorisation – temporarily reserves funds without transferring them
- Advice transactions (Non-Financial) – communicate updates without moving money
Card transaction cycle and statuses
When a transaction is authorised, it enters the PENDING status. This means it’s been approved, but the funds haven’t been moved yet.
If the merchant then completes the transaction, it changes to COMPLETED status. At this point, the money has been transferred and the transaction is final.
Sometimes, the merchant cancels a pending authorisation. This appears as REVERSED, indicating no money will be transferred.
If the transaction fails (for example, due to insufficient funds or incorrect details), it will appear as FAILED. The reason for the failure is visible in the Rydoo app, in the transaction details.
How are Rydoo Card Statements populated?
Rydoo card statements in the web app—visible to Finance users—show amounts under Debit and Credit based only on financial transaction types with COMPLETED status. These include captures, refunds, partial captures, and force captures.
Under normal conditions, values in Debit and Credit won’t change. However, if a merchant sends an authorisation update, Rydoo will apply the update to the original authorisation and the completed transaction, adjusting the debit value.
Transactions still in progress (authorisations) appear in a separate column: Pending. This value is dynamic and may change until the transaction is completed. The Pending value is used only to help calculate the available balance, not the wallet’s turnover.
Rydoo Card statement Excel file
Finance users can download an Excel file from the Wallets section. The file includes two sheets:
Transactions:
- All completed transactions
- Deposits and top-ups
- Withdrawals
- Refunded transactions
For easier reconciliation, this sheet also includes AuthorizationId and TransactionId fields. These help:
- Match a refund with the original transaction and authorisation
- Link a capture to its original authorisation, even if it was recorded in a previous period
Pending Authorisations
This sheet lists all authorisations within the downloaded period that weren’t captured by the end of that period.
Rydoo wallet statement transactions and expenses
Card transactions have two key dates: the date of authorisation (when the purchase is made) and the date of capture (when the money is moved).
Rydoo uses the authorisation date as the date when an expense was incurred. However, the wallet statement calculations use the capture date, when the funds were actually transferred.
Because of this, the list of expenses and the wallet's debit transactions for the same period may not always match—especially if captures happen in a different reporting window.