Overview

The Settlement Report provides a financial view of transactions that have been included in settlement for a given day.
It focuses on the monetary outcome of transactions, including fee breakdowns, settlement amounts, and payout references. The report is designed to support financial reconciliation, accounting, and validation of payouts.
Each row represents a settled transaction, reflecting how the transaction contributes to merchant settlement.

Key Features

Transaction-level settlement visibility
Detailed breakdown of acquiring fee, scheme fee, and interchange fee
Clear view of Payment net (amount payable to the merchant)
Includes settlement and payout references
Supports multi-currency and DCC (Dynamic Currency Conversion) transactions
Structured format (e.g. CSV) for financial processing

Report Characteristics

Attribute	Description
Granularity	Transaction-level (one row per settled transaction)
Frequency	Daily
Format	CSV
Scope	Transactions included in settlement for the reporting day
Currency representation	Minor units unless otherwise specified

Use Cases

Financial reconciliation: Match settlement data with payouts and bank statements
Fee validation: Validate acquiring, scheme, and interchange fees
Accounting: Support bookkeeping and financial reporting
Payout validation: Verify settlement payout references and merchant accounts
DCC analysis: Review cardholder currency and exchange rate details

Relationship to Other Reports

The Settlement Report is part of Aera’s broader reporting framework:

Daily Transaction Detail Report: Provides a full operational view of processed transactions
Payout Reports: Show how settled funds are grouped and transferred to the merchant

In practice:

Use Transaction Report → to understand what happened
Use Settlement Report → to understand what is settled
Use Payout Reports → to understand what is paid out

Example Flow

Transactions processed → appear in Transaction Report (Transaction ID)
Transactions settled → appear in Settlement Report (Reconciliation ID)
Settlements aggregated → appear in Payout Report (same Reconciliation ID)

Availability

Generated on a daily basis
Covers transactions included in settlement for the reporting day
Made available once settlement processing is completed

Delivery Options

The report can be accessed via:

Manual retrieval (via Aera Portal)
Automated delivery (via webhook + Reporting API)

For details, see Get Reports.

Report Structure

Each row in the report represents a single settled transaction.
The field groupings shown below are for documentation purposes only; the actual report is delivered as a flat file without these groupings.

Transaction & Settlement Timing

Field	Description
Transaction date and time	Date and time when the transaction was processed
Sales date	Date when the transaction is considered for sales reporting
Settlement date	Date when the transaction is settled

Transaction Identification

Field	Description
Transaction ID	Unique identifier for the transaction
Issuer authorisation code	Authorization code provided by the issuer
Reconciliation ID From	ID of the first reconciliation period (YYMMDD_nnn) included in the report
Reconciliation ID To	ID of the last reconciliation period (YYMMDD_nnn) included in the report

Transaction & Payment Details

Field	Description
Transaction amount	Original transaction amount
Transaction currency	Currency of the transaction (ISO 4217)
Transaction type	Type of transaction (e.g. purchase, refund)
Point of interaction	Indicates where the transaction was initiated (e.g. POS, online)
Card/Mobile	Indicates whether the transaction was card-based or mobile-based
Brand	Card scheme or payment brand
Wallet	Wallet used for the transaction (if applicable)
Debit/Credit	Indicates whether the card is debit or credit
Card number	Masked card number used for the transaction
Issuer country code	Country of the issuing bank

Fees Information

Field	Description
Acquiring fee	Fee charged by the acquirer
Scheme fee	Fee charged by the card scheme
Interchange fee	Fee charged by the issuing bank
Payment net	Net amount after fees, included in settlement

Merchant Information

Field	Description
Merchant ID	Unique identifier assigned to the merchant
“ (Attribute 1)”	Custom merchant-defined attribute 1
“ (Attribute 2)”	Custom merchant-defined attribute 2
“ (Attribute 3)”	Custom merchant-defined attribute 3

Settlement & Payout Information

Field	Description
Settlement payout reference	Reference linking the transaction to a payout
Merchant settlement account	Merchant account receiving the settlement funds

DCC (Dynamic Currency Conversion) Information

Field	Description
DCC Cardholder Amount	Amount presented to the cardholder in cardholder currency
DCC Cardholder Currency	Currency used for the cardholder transaction
DCC Ref Exchange Rate	Reference exchange rate applied
DCC Markup Percentage	Markup percentage applied to the exchange rate
DCC Reference	Identifier for the DCC transaction