Orders paid by type "BANK_ACCOUNT" matching sales summary

Questions
1

My understanding for Square sales summary reporting is that orders are recognized once paid. One complexity I am trying to understand is the recognition of orders in the sales summary that are paid by “BANK_ACCOUNT.” We have observed that the recognition does not occur on the created_at of the tender done by BANK_ACCOUNT. It appears to occur once the bank transfer is completed. I am trying to understand what timestamp indicates that it is completed? Closed_at is not helpful since there could be a pending fulfillment preventing the order from closing. My best guess is the “effective_at” for the processing fees tied to the payment done via bank transfer. See below example Payment was created on 1/4 but order not considered a sale until 1/7. Closed_at is not reliable since it may not close for orders with a fulfillment. What would be the best indicator of WHEN the bank transfer was successful e.g. “effective_at” for the processing fees when looking at the actual payment?:

{
    "order": {
        "id": "4gxWw6peWgxNHYbY6HJvtfBKLcVZY",
        "location_id": "LHAFZN7TXSEYZ",
        "line_items": [
            REMOVED
        ],
        "created_at": "2022-12-29T17:14:20.963Z",
        "updated_at": "2023-01-07T09:04:12.000Z",
        "state": "COMPLETED",
        "version": 6,
        "total_tax_money": {
            "amount": 0,
            "currency": "USD"
        },
        "total_discount_money": {
            "amount": 0,
            "currency": "USD"
        },
        "total_tip_money": {
            "amount": 0,
            "currency": "USD"
        },
        "total_money": {
            "amount": 34500,
            "currency": "USD"
        },
        "closed_at": "2023-01-07T09:04:11.570Z",
        "tenders": [
            {
                "id": "ZwsTZHMjNcTx0qDoSCYRayO9tfLZY",
                "location_id": "LHAFZN7TXSEYZ",
                "transaction_id": "4gxWw6peWgxNHYbY6HJvtfBKLcVZY",
                "created_at": "2023-01-04T00:15:43Z",
                "amount_money": {
                    "amount": 34500,
                    "currency": "USD"
                },
                "processing_fee_money": {
                    "amount": 345,
                    "currency": "USD"
                },
                "type": "BANK_ACCOUNT",
                "payment_id": "ZwsTZHMjNcTx0qDoSCYRayO9tfLZY",
                "bank_account_details": {
                    "status": "COMPLETED"
                }
            }
        ],
        "total_service_charge_money": {
            "amount": 0,
            "currency": "USD"
        },
        "net_amounts": {
            "total_money": {
                "amount": 34500,
                "currency": "USD"
            },
            "tax_money": {
                "amount": 0,
                "currency": "USD"
            },
            "discount_money": {
                "amount": 0,
                "currency": "USD"
            },
            "tip_money": {
                "amount": 0,
                "currency": "USD"
            },
            "service_charge_money": {
                "amount": 0,
                "currency": "USD"
            }
        },
        "source": {},
        "customer_id": "F452FF054D53ZDKW0DPJZEWRJR",
        "net_amount_due_money": {
            "amount": 0,
            "currency": "USD"
        }
    }
}

PAYMENT DATA BELOW

        {
            "id": "ZwsTZHMjNcTx0qDoSCYRayO9tfLZY",
            "created_at": "2023-01-04T00:15:43.524Z",
            "updated_at": "2023-01-07T09:04:13.508Z",
            "amount_money": {
                "amount": 34500,
                "currency": "USD"
            },
            "status": "COMPLETED",
            "source_type": "BANK_ACCOUNT",
            "location_id": "LHAFZN7TXSEYZ",
            "order_id": "4gxWw6peWgxNHYbY6HJvtfBKLcVZY",
            "processing_fee": [
                {
                    "effective_at": "2023-01-07T11:04:13.000Z",
                    "type": "INITIAL",
                    "amount_money": {
                        "amount": 345,
                        "currency": "USD"
2

At this time there isn’t a timestamp that will tell you when the order is paid for when the payment is an ACH payment. We’re constantly working to improve our features based on feedback like this, so I’ll be sure to share your request to the API product team. :slightly_smiling_face: