Overview

The Settlement with Fees Report provides a complete financial view of settled transactions, including detailed fee information.

It follows the same structure as the Settlement Report, but includes populated fee data once it becomes available. This report is intended to serve as the final and complete version of settlement data for financial reconciliation and accounting purposes.

Key Features

Same structure as the Settlement Report
Includes acquiring, scheme, and interchange fees
Provides complete view of net settlement amounts
Represents the finalized financial data for a reconciliation period
Structured format (e.g. CSV) for accounting and processing

How It Works

Settlement and fee data are not always available at the same time:

The Settlement Report is generated when settlement processing is completed
At this stage, fee data may not yet be available
Once fee data is received (typically the following day), it is appended to the same dataset
The report is then delivered as the Settlement with Fees Report

Relationship to Settlement Report

The Settlement Report and Settlement with Fees Report share the same structure and fields
The difference lies in the availability of fee data:

Report	Fee Data
Settlement Report	Fee fields present but not populated
Settlement with Fees Report	Fee fields populated

Use Cases

Financial reconciliation: Use as the final source for reconciling settlement amounts
Fee validation: Verify acquiring, scheme, and interchange fees
Accounting: Support accurate financial reporting and bookkeeping
Audit and controls: Ensure completeness of settlement data

Availability

Generated after fee data becomes available (typically one day after settlement)
Covers the same reconciliation period as the corresponding settlement report
Delivered as an updated version of the settlement dataset

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, identical to the Settlement Report.

Notes

This report should be considered the authoritative version of settlement data for financial purposes

Fee data is not available at initial settlement generation and is populated once received from upstream providers

The Settlement Report can be used for early visibility, while the Settlement with Fees Report should be used for final reconciliation