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Cash

About the "Cash"

This section holds everything that affects your company balance: deposits, charges, refunds and so on. It gives a clear view of your finances and can be used as a reporting tool. “Cash” has two levels: the main page with the list of accounts and the page of an individual account with its transaction history.

Main page

Before the first deposit, the page only shows a prompt to make one. The other blocks appear once money arrives in the account.

Top panel:

  • Available balance — the amount in the account that you can spend;

  • Pending — funds from transactions that haven't received a final status yet.

Chart:

Shows how the available balance changes day by day. Data is displayed in UTC+0 and is adjusted through filters:

  • Last 7/30 days;

  • Week, month, quarter or year to date;

  • All time.

The “Accounts” table:

Shows information on all company accounts. Table columns:

  • Account — the account name;

  • Status — Active or Closed;

  • Available balance;

  • Auto transfer rule — the condition for an internal transfer of funds, if one is set. A rule can be added straight from the row.

By default, one main account is created — Main.

On the Stellar Private plan and above you can create additional accounts (sub-accounts) inside the company. This is convenient for separating budgets between teams and directions.

For details, see the Sub-accounts article.

Deposits and transfers

The “Move money” button is in the top right corner. It groups all actions with funds:

  • Add funds — wallet addresses for deposits;

  • Transfer — a transfer from one account to another inside the company;

The set of actions depends on your role and the number of accounts

Available deposit methods:

  • USDT TRC20 — created at registration;

  • USDT ERC20 — on request;

  • USDC ERC20 — on request;

  • Wire — on request.

Minimum amounts:

  • Crypto: 1,500 USD;

  • Wire: 3,000 USD.

What else to keep in mind:

  • Wallets are issued once, for your team's company;

  • You can make a deposit through the Stellar Card dashboard or directly to the address;

  • Funds are credited automatically — no hash is needed, money arrives within a few minutes.

Send funds only on the network shown on the wallet screen. Depositing via another network may result in the loss of your funds.

Additional payment methods can be discussed with your manager in the Telegram chat.

We recommend always keeping a reserve in the account. If there are not enough funds, transactions will start to decline. This raises the Decline Rate.

Account page

An account is a balance that cards and transactions are linked to.

Widgets at the top:

  • Available — the amount in the account that you can spend;

  • Pending — funds on hold: transactions that haven't received a final status yet;

  • Auto transfer rule — if a rule is set, the widget shows its conditions; if not, it shows a button to create one. The widget is available for active sub-accounts. For details, see the Auto-transfers article.

Next to the account name there is an actions menu:

  • Members — access to the account, if there is more than one account;

  • Statements — opens the list of statements;

  • Rename and Close — for active sub-accounts only.

An account can be closed once all cards linked to it are closed or expired.

Transaction history

The table collects all money movements in the account: deposits, card transactions, fees, transfers and refunds.

Unlike the “Transactions” page, each row here is a separate event. One card transaction can produce several rows: the payment itself and the fee for it. The link between such rows is visible in the transaction details, in the “Related transaction” block.

The table consists of these columns:

  • Date and time;

  • To / From — the merchant, account or subscription name;

  • Type;

  • Amount.

Above the table there are widgets with the key figures: Beg. balance, Money in, Money out and End balance. The widgets are calculated with the active filters applied.

Next to the filters there is an arrow button that opens “Cash flow”: a breakdown of money in and money out by type. The type and direction filters do not affect it.

Filters:

  • Search — by transaction ID or event ID;

  • Type — select one or several types, with search by name; the list only includes the types that have occurred in this account;

  • Direction — money in or money out;

  • Period — a time range in the calendar.

Clicking a row opens a panel with the transaction details:

  • Where the transaction came from and where it went;

  • The card and its holder at the time of the transaction — for card transactions;

  • What the amount consists of — the exchange fee and the international fee, if there were any;

  • Related transaction — the card of the transaction this one is linked to: the “Details” button opens it on the “Transactions” page or in “Cash”;

  • Description;

  • Transaction ID — for transactions that appear on the “Transactions” page;

  • Event ID.

The description and both IDs are copied with a click. The arrows in the panel header switch to the neighboring transactions in the list without closing it.

Dates and times are shown in the timezone selected in your profile settings. Hovering over the clock icon shows the time in UTC+0.

Transaction types

The type shows what exactly happened with the money: it is not the transaction type from the “Transactions” page, but a specific step — a charge, a fee, a reversal or a refund. That is why one card transaction can produce several rows with different types.

Deposits and withdrawals:

  • Crypto deposit — a top-up of the company balance from a crypto wallet;

  • Wire deposit — a top-up of the company balance by bank transfer;

  • Deposit fee — withheld from the deposit amount. It goes as a separate row, so the history shows both the full amount credited and the amount withheld;

  • Withdrawal — funds debited from the account.

Transfers:

  • Internal transfer — a movement of funds between accounts inside the company. One transaction produces two rows: on the sending account it goes to money out, on the receiving account — to money in. Auto-transfers are shown the same way;

Subscription goes through the history separately — the charge for your plan.

  • Card payment — a payment made with a card, showing the merchant that initiated the charge;

  • Payment fee — the standard bank fee on a card transaction. It includes the international fee and the exchange fee, if there were any: the breakdown is visible in the transaction details;

  • Card reversal — the merchant did not complete the transaction: the hold is released and the funds are back in the account;

  • Fee reversal — the fee on a reversed transaction returns to the account together with it;

  • Decline fee — withheld for declined transactions. For details, see the Risks article;

  • Card refund — the merchant returned the funds for a transaction that was already completed. On the “Transactions” page this corresponds to the Refund status;

  • Fee refund — the fee on a refunded transaction returns to the account together with it;

  • Payment adjustment — while a transaction has no final status, the merchant can change its amount. The difference between the initial and the final amount goes as a separate row

  • Fee adjustment — the same for the fee: when the transaction amount changes, the fee is recalculated and the difference goes as a separate row.

Reversals, refunds and adjustments are always linked to the original transaction. You can find it in the event details, in the “Related transaction” block.

The “Type” filter lists only the types that have occurred in this account.

Statements

The section opens from the actions menu on the account page. The table lists all created statements: period, account, beginning and end balance, and a “Download” button.

To create a file, click “Create statement” and choose a period. The current day is not available, as it has not finished yet. If there is more than one account, an account selector is added in the window. The new statement appears at the top of the list — after that it can be downloaded.

What is inside the file

The statement downloads as a .zip archive with one .csv inside.

At the top of the file there is an account summary: company, account, period, beginning balance, money in, money out and end balance. Below is the list of transactions for the selected period. For each transaction:

  • Event ID, date and amount;

  • Currency, direction and type;

  • Merchant, account or counterparty;

  • Card, its holder and card ID;

  • Transaction country;

  • Exchange and international fees;

  • Transaction ID, company and description.

All dates and times in the file are in UTC+0.

Statement creation is available depending on your role.

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