Settlement Statement
Last updated: September 24, 2025
The Settlement Statement provides an overview of your settlement, including a summary of associated financial activities. For example, refunds, chargebacks, and fees. You can give this document to your bank as proof of a given payment from Checkout.com.
To see the specific payments and fees included in the settlement, see your Financial Actions by Payout ID Report.
The statement is created when your settlement is generated, between midnight and 2:00 AM in your entity's settlement time zone.
You receive a statement for every settlement paid out to your bank account, in line with your settlement frequency.
For example, assume that your settlement time zone is America/Los_Angeles Pacific Time (PT) and your settlement frequency is daily.
You receive a USD settlement from Checkout.com on August 4, with the payout/settlement ID 00000000CFJU.
Your Settlement Statement with statement ID 00000000CFJU, which is created at midnight PT on August 4, explains that settlement.
It includes all financial activities in USD on August 3, from midnight to 11:59 PM PT.
See instructions on how to download the statement on demand or on a schedule:
Note
All amounts in your statement are expressed in the major currency unit, rounded to two decimal points. For example, a total chargeback fee of 33.33333 USD appears as 33.33 USD on your statement. This makes statements unsuitable for reconciliation.
The statement is provided as a PDF file. By default, the file name uses the following format:
- API and SFTP –
settlement-statement_{EntityID}_{Payout Date: YYYYMMDD}_{Payout ID}.pdf - Dashboard scheduled reports –
settlement-statement_{EntityID}_{Payout Date: YYYYMMDD}_{Payout ID}.pdf
For SFTP, the statement is uploaded in the following folder structure: {Entityname} > reports-{Entity_name} > _settlement-statements
Dates and times, including the period each statement covers, are in UTC.
Download a sample Settlement Statement (PDF file).
Information
If using Safari, hold down the Option key when selecting the link to download the file.
The statement header contains the following:
- Your legal business details:
- Entity name
- Address
- VAT registration number
- Entity ID, prefixed with
ent_ - Client account
- Checkout.com entity name and address
- Statement information:
- Statement ID
- Statement date
- Statement period
The summary outlines the financial activities associated with the settlement. It also includes the settlement ID and currency.
If your Settlement Statement includes payments that were processed across two or more separate periods, then the Statement period section displays the information for each period.
To reconcile your bank statement with your Settlement Statement:
- On your bank statement, identify a payment from Checkout.com.
- In your bank statement's reference field, find the payment's unique 12-character ID and download the Settlement Statement with the matching ID.
The amount settled in your account should equal the net amount on your statement.