For all payment sessions made on an App linked to a Fintecture payment account, the funds paid by your clients will be received onto that Fintecture account. Settlements represent the disbursement of these funds from the Fintecture account to a merchant's usual bank account

🚧 Important

Signature, date and x-request-id headers are optional in SANDBOX environment but mandatory when calling the PRODUCTION one.

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Settlement information

All of the settlements can be listed using our API and can be filtered by date thanks to our query parameters.

Every settlement provides you with its status, its dates and the following amounts:

Field	Description
`gross_amount`	The sum of the payments received that are part of the settlement
`refunds_amount`	The sum of the refunds sent from the account that are part of the settlement
`other_amount`	The other movements of the account that are part of the settlement: transfers received that could not be matched to a payment, minus transfers sent that are not refunds
`deposit_amount`	The amount this settlement adds to the funds kept on the account. It is negative when funds kept by previous settlements are released
`deposit_balance_amount`	The total amount kept on the account after this settlement
`net_amount`	The amount sent to the beneficiary of the settlement

Net Amount = Gross Amount − Refunds Amount + Other Amount − Deposit Amount

A settlement whose net amount is 0 keeps all its funds on the account: no transfer is sent to the beneficiary.

Status	Description
`pending`	The transfer to the beneficiary has been initiated and is not completed yet
`completed`	The transfer has been completed, or no transfer was needed
`failed`	The transfer to the beneficiary failed
`cancelled`	The settlement was cancelled: its payments will be part of a later settlement

Date	Description
`execution_date`	The date the transfer to the beneficiary is executed. For a settlement without transfer, the date it was computed
`booking_date`	The date the bank booked the transfer. Empty until then, and for a settlement without transfer

If called specifically, one provides you with associated payments and transactions to identify more precisely the financial movements.

Understanding the transactions

A transaction is the financial movement a payer does when sending money to a Fintecture account. Each time a transaction is received, our reconciliation algorithm analyzes it and links it to a payment in case of success.

It is possible to have multiple transactions for a single payment session or to have one transaction linked to several payment sessions.

All transactions can be listed using the dedicated endpoint.