# View reports

Understand and reconcile your settlement reports.

## Overview

PXP provides several reports to help you understand your settlements, reconcile with your bank statements, and analyse your transaction activity. Each report serves a specific purpose and is generated automatically at different stages of the settlement process.

The available report types are:

- [**Invoice report (PDF):**](#invoice-line-report-pdf) Summary of each settlement period
- [**Invoice line-item report (CSV):**](#invoice-line-item-report-csv) Transaction-level detail for a period
- [**Clearing payout line-item report (CSV):**](#clearing-payout-line-item-report-csv) Bank reconciliation report
- [**Monthly summary report (PDF):**](#monthly-summary-report-pdf) Fee analysis and statistics


All reports can be delivered via either email or webhook. Report delivery preferences are self-service and can be configured by you. Additionally, the invoice report, invoice line-item, and clearing line-item reports are available to view in the Unity Portal's *My finances* dashboard.

Reports are generated automatically based on settlement events. You don't need to request or schedule them manually. All numeric values use UK formatting with a dot (`.`) for decimals and a comma (`,`) for thousands. For example, `£1,234.56`.

## Invoice report (PDF)

The **invoice report** provides a complete summary of all activity for a settlement period (daily, weekly, or monthly). It's your official record of what PXP owes you or what you owe PXP for that period.

Currently, the invoice report includes fees charged for the Card service only (blended card rate fees and gateway fees). If you use other PXP services such as Token Vault or 3DS, those fees are invoiced separately.

The report is generated at different times depending on your chosen settlement cycle:

- **Daily settlements:** Generated daily at ~12:10 AM (5 minutes after cutoff).
- **Weekly settlements:** Generated Sunday after midnight (end of the week).
- **Monthly settlements:** Generated on the last day of the month after midnight.


The report's file name follows this format: `PXPU-[InvoiceNumber]_[YYYYMMDDHHMMSS].pdf`. For example, `PXPU-350_20260507230009.pdf`.

An invoice is always generated, even if the settlement amount is zero or the balance is negative.

### Contents

The report header includes:

- Your merchant name and address
- Your invoice reference
- The settlement currency
- The invoice issue date
- The settlement period covered


The report body includes:

- All accruals for purchases and captures, payouts and refunds, with columns for the accrual type,  the transaction currency, the number of transactions, the value of the transactions, and the transactions settlement amount
- Retained and released rolling reserves, if applicable
- Adjustments (credit/debit)
- Fees deducted from net settlement (blended card rate fees and gateway fees)
- Chargebacks, representments, second chargebacks, etc.
- The total amount of the invoice. This is the calculated balance of all purchases and captures, refunds, payouts, rolling reserves, fees, etc. If the amount is negative, this the amount you owe PXP. PXP will either issue a direct debit or deduct this amount from your next settlement. If the amount is positive, this is the amount PXP is due to settle to you.
- Unsettled amounts from previous periods (i.e., any open settlements from previous periods)


### Download your report

To download your report:

1. In the Unity Portal, go to **Dashboard > My finances**.
2. At the bottom of the screen, click the **Invoices** tab.
3. Find the invoice by date or number.
4. Click **Summary**.


The file is saved to your browser's downloads folder.

## Invoice line-item report (CSV)

The **invoice line-item report** provides transaction-level detail for everything on the invoice. Use this for detailed reconciliation, accounting entry creation, or analysing specific transactions.

The report includes all merchant transactions and items (such as rolling reserves, adjustments, and chargebacks) that contribute to the invoice amount for the current period. Transactions from previous unsettled periods are not included in this report.

The report is generated at the same time as the invoice report (same settlement event).

The report's file name follows this format: `PXPU-[InvoiceNumber]_[YYYYMMDDHHMMSS].csv`. For example, `PXPU-350_20260507230009.csv`.

### Contents

The report header includes:

- Merchant ID
- Invoice number
- Settlement period
- Total amount
- Currency


The report body includes:

- Site ID
- Category
- Source System Transaction ID
- Source Transaction DateTime
- Transaction Amount
- Transaction Currency
- Settlement Amount
- Settlement Currency
- Fee Amount (blended)
- Fee Currency
- Intent
- Provider
- Funding Type
- Card Scheme
- Funding Source
- Reason


### Download your report

To download your report:

1. In the Unity Portal, go to **Dashboard > My finances**.
2. At the bottom of the screen, click the **Invoices** tab.
3. Find the invoice by date or number.
4. Click **Line item**.


The file is saved to your browser's downloads folder.

## Clearing payout line-item report (CSV)

The **clearing payout line-item report** is your bank reconciliation report. It contains every transaction and item that contributed to a specific bank payment, enabling you to reconcile received funds from PXP. It includes transactions from multiple periods if there were unsettled amounts that accumulated into this payout. You can match the report to your bank payout using the reference number, which is the same reference sent in the remittance information of the payout.

The report is generated when a clearing payout reaches the `Settled` state. This happens after PXP receives confirmation that the payout has been successfully processed. The report's file name follows this format: `[ClearingPayoutID]_[DateTime].csv`. For example, `6b7e3273-95e3-4390-a251-fde2723903f3_20250303130707.csv`.

### Key difference from invoice line-item

| Invoice line-item | Clearing payout line-item |
|  --- | --- |
| Shows one period only | Shows all periods contributing to this payout |
| Generated at settlement cycle end | Generated when funds sent to bank |
| For period reconciliation | For bank reconciliation |
| Multiple invoices per payout (if unsettled amounts) | One report per bank deposit |


Use the clearing payout line-item report for bank reconciliation. It includes all periods that contributed to the specific bank transfer, matching what you see in your bank statement.

### Contents

The report contains the same columns as [invoice line-item report](#invoice-line-item-report-csv), but includes all periods that contributed to the clearing payout amount:

The report header includes:

- Clearing payout reference number
- Total payout amount


All transactions from all included periods:

- Current period transactions
- Previous unsettled period transactions
- Rolling reserve releases across all periods
- All adjustments included in this payout


### Download your report

To download your report:

1. In the Unity Portal, go to **Dashboard > My finances**.
2. At the bottom of the screen, click the **Clearing payouts** tab.
3. Find the invoice by date or number.
4. Click **Summary**.


## Monthly summary report (PDF)

The **monthly summary report** provides statistical analysis of your transaction activity and fees for a full calendar month. Use this for monthly financial reviews, understanding fee structures, and identifying trends.

The report is generated per settlement currency and includes statistics for all transactions processed within the month (based on the system transaction creation date).

The report is generated at the end of each calendar month. For example, January 31 or February 28. The report's file name follows this format: `[Merchant]_[YYYYMM]_[DateTime].pdf`. For example, `ACME_202503_20250401132946.pdf`.

### Contents

The report header includes:

- Month and year
- Merchant name
- Transaction currency
- Transaction fees
- Total net amount
- VAT amount
- Total transaction fees amount


The transaction fees breakdown section shows you the fees for processed transactions (purchases and captures). It includes the following columns:

- Scheme
- Owner type
- Funding source
- Region
- Fee per transaction (single fixed fee)
- Fee per transaction (single percentage fee)
- Number of transactions
- Value of transactions
- Total fee amount


The additional fees section shows you the fes for other processed transactions. It includes the following columns:

- Fee type
- Fee per transaction (single fixed fee)
- Fee per transaction (single percentage fee)
- Number of transactions
- Value of transactions
- Total fee amount


## Report delivery

### Email delivery

Email delivery lets you automatically receive reports via email. You can set up a common delivery list that applies to all your merchants, or create specific lists for individual merchants. When a merchant doesn't have its own list configured, emails go to the common list by default.

You must have the *Reports Builder* or *Global Admin* role to set up email delivery.

To set up email delivery:

1. In the Unity Portal, go to **Report & search > Settlement settings**.
2. Add email addresses to your delivery list.
3. Select which merchant this list applies to (or leave it as the common list for all merchants).
4. Click **Save** in the top right.


You can create multiple delivery lists using the **+ Add delivery list** button.

When a report is generated, recipients receive an email with a secure download link. The link is permanent and requires authentication when clicked. To access reports, recipients need a Unity Portal account with the *Reports Reader* role (or higher) and appropriate merchant access.

#### Timing

Emails are sent at the following frequencies:

- Invoice reports: Within minutes of generation
- Clearing payout reports: When a payout reaches the "Settled" status
- Monthly reports: Morning after month-end


### Webhook delivery

Webhook delivery sends automated notifications to your systems when reports are generated. This is ideal for integrating settlement data into your accounting systems, building custom reconciliation workflows, or triggering automated processes when funds are settled.

You must have the *Reports Builder* or *Global Admin* role to set up webhook delivery.

#### Available webhook events

You can subscribe to the following events:

| Report type | Webhook event code | Description |
|  --- | --- | --- |
| Invoice report | `settlement-ir-generated` | Triggered when a settlement invoice report has been generated. |
| Invoice line-item report | `settlement-ilir-generated` | Triggered when a settlement invoice line-item report has been generated. |
| Clearing payout line-item repor.t | `clearing-payout-ilir-generated` | Triggered when a clearing payout line-item report has been generated. |
| Monthly summary report | `settlement-msr-generated` | Triggered when a monthly summary report has been generated. |


#### Setup instructions

To set up a default webhook URL for all events:

1. In the Unity Portal, go to **Merchant setup > Merchants**.
2. Select a merchant.
3. Click the **Webhooks** tab.
4. Enter the URL you want PXP to send notifications to and generate a hash key.
5. Click **Save** to confirm.


To subscribe to specific settlement report events:

1. In the Unity Portal, go to **Merchant setup > Merchants**.
2. Select a merchant.
3. Click the **Webhooks** tab.
4. Select which report events you want to receive:
  - Settlement invoice report generated
  - Settlement invoice line-item report generated
  - Clearing payout line-item report generated
  - Monthly summary report generated
5. Enter the webhook URL for these events (or use the default URL if configured).
6. Click **Save** to confirm.


Webhooks are only sent for events you've explicitly subscribed to. If you don't see notifications, verify your subscription configuration.

#### Webhook payload

When a report is generated, PXP sends a `POST` request to your webhook URL. The payload includes the merchant identifiers, the event code, and a link to download the report.

Here's an example payload:

```json
{
  "MerchantGroupId": "MG-FTest",
  "MerchantId": "M-FTest44",
  "ServiceWebhookCode": "settlement-msr-generated",
  "Payload": {
    "ReportType": "Monthly summary",
    "Link": "https://reports.pxp.io/download/settlement-report-12345"
  }
}
```

And here are the corresponding request headers:

```json
{
  "x-parent-span-id": "bc39f2d3697611f6",
  "x-trace-id": "8c9bdb05dd575e033dc117421fc3285a",
  "x-message-id": "caa47659-90b3-49a7-b346-4d4cafe74372",
  "x-correlation-id": "5fe7196f-8f64-4461-a578-fbab1eecab74",
  "x-message-types": "[{\"Id\":\"ntf:schedule-service-webhook-command\",\"Version\":\"v1\"}]",
  "x-message-published-on": "2026-05-08T11:23:44.6650044Z"
}
```

The `ServiceWebhookCode` field identifies which report type triggered the webhook (see the event codes table above). Use the `Link` in the payload to download the report. The link requires backend-to-backend authentication.

The `x-trace-id` and `x-correlation-id` headers can be used for debugging and tracking webhook delivery across your systems.