Statements

We generate a summary of transactions for each billing cycle for you to share with your clients.

Introduction

The statement of an credit card is a summary of the transactions made during a billing cycle. This includes fees, interest, taxes, and any other relevant concept that impacts the balance to be paid.

Information on a statement

Respecting the billing cycles you have defined, we will generate the statements with this information and make it available to you via API or PDF:


Closing date	The day in which the billing cycle ends. Determines which operations are considered to form the statement of account.
Due date	Until when the debt can be paid without incurring penalties.
Next closing and due dates	We inform you about the next billing period and the operations of which period we will consider.
Total payment	We show you the total amount of the debt including taxes. It only considers the accrued installments until the closing date.
Minimum payment	The minimum amount to be paid in order to avoid default. Read more about Minimum payment.
Rates and rate comparisons	Includes the rates defined in the product configuration and the rate comparisons required by the regulatory authority of each country.
Limits	We show you the limits that have been defined. Read more about limits.
Previous balance	The total debt from the previous period.
Payments made	The sum of payments made during the considered period.
Total purchases	The value of the total purchases made in the considered period.
Total charges and taxes	Includes interest, taxes, and fees for the period.
Details of operations for the period	We detail all the transactions made during the period: purchases, payments, and advances. We also include relevant information such as taxes and exchange rates when applicable.
Details of installments to be paid in the period	The list of installments to be paid in the current period for all active plans.

Example of PDF statement for 🇧🇷 Brazil

Example of PDF statement for 🇲🇽 Mexico

PDF Statements

If you choose to receive the statements for your clients in PDF format, you will need to follow these steps:

Interact with the Create product endpoint by sending generate_pdf: true within the statement object. If you have already created the product, you can update this preference using this endpoint.
You will need to provide us with the following information:
- Logo in maximum 83x30px resolution and 300 DPI (pixel density).
- Phone number.
- Address.
- Contact email.
- Legal name of the entity.
- Only if you operate in 🇲🇽 Mexico: proof of tax situation (tax regime and RFC key).
Each month we will generate the PDF at 00:00 (originating card country's time) on the day after the billing cycle closes, and make it available in the Dashboard or via SFTP at this path: credit_card/<period>/<credit_line_id>.pdf.

Check statement

You can check a specific statement using this endpoint, and if you need to search for several, you can use this other one.

Filter by statements with status GENERATED to see those with the closed period, or CREATED to see those with an open period.

You can also check the latest statement of account with status GENERATED using this endpoint.

Open period

To show your clients their real-time operations, we provide a service for you to check the transactions that have not yet impacted a statement. You can see the presented operations and also have information about the payments that your client has made in that period.

Open period queries

You can check statements for open periods using this endpoint. They have the CREATED status.
You can check the transactions authorized by the Credit Core but that have not yet been presented by interacting with this endpoint. Use the AUTHORIZED filter.