Use this article to find, download and read your Kustom settlement reports, so you can match each payout in your bank account with the orders, refunds and fees it includes.

What are settlement reports?

Kustom creates a settlement report for each payout. The settlement report shows what the payout includes, so you can reconcile payments with the orders in your system.

When settlement reports are available. A settlement report is available on your payout day. See Payout schedule.
End-of-day cutoff. The processing day ends at 23:59 UTC. Transactions after this time belong to the next processing day.
Payment reference. Each settlement report has a payment reference. The same reference appears on your bank statement, so you can match the payout to its settlement report.

How to find your settlement reports

Sign in to the Kustom Portal.
Select Settlements in the menu to the left.
Your settlements are listed with the newest first. Open a settlement to see its payout details and settled transactions.

How to download a settlement report

Select Settlements in the menu to the left.
Find the settlement you want in the list.
Click the three dots at the end of the row and select the download option.
Choose PDF or CSV.

Settlements from more than one payment provider

Depending on your setup, your payouts may come from more than one payment provider. For example, card and wallet payments are settled by Kustom, while Resurs B2B invoices are settled by Resurs Bank. Each payment provider pays out separately, so you see separate settlements and separate bank transfers for each.

To tell settlements from different payment providers apart:

The Payment provider column in the Settlements table shows the logo of the provider behind each settlement. If you only have one provider, the column is hidden by default. Use the columns icon in the top right of the table to show or hide it.
Opening a settlement shows the payment provider in the payout details.
You can add Payment provider as a column in your CSV settlement and transaction reports. See Configure settlement reports.
The footer of the PDF settlement report shows the company that paid out the funds. For Resurs-settled payouts, this is the Resurs Bank entity for your payout currency.

Settlement reports from Klarna

If you moved to Kustom from Klarna, settlement reports from before your move were created by Klarna. Access to the Klarna Merchant Portal has ended, so contact Kustom support if you need historical Klarna settlement reports. See End of access to the Klarna Merchant Portal.

What is included in a settlement report?

Settlement reports are available as CSV and PDF. Open a format below to see what it includes.

CSV settlement report

You can choose which fields the CSV settlement report includes. To see all fields and learn how to configure them, see Configure settlement reports.

PDF settlement report

The PDF settlement report starts with a summary of the payout, grouped into transactions, fees, debt and miscellaneous items.

Transactions

Sales (Captures). The total value of all captured orders paid out to you.
Refunds. The total value of refunds included in the settlement.
Reversals (Open disputes). The total value of open disputes.
Dispute Corrections (Won disputes). The total value of disputes resolved in your favour and credited back.

Fees

Purchase Fee (Fixed). Total fixed transaction fees for captured orders.
Purchase Fee (Percentage). Total percentage-based transaction fees for captured orders.
Dispute Fee. Total dispute fees. For disputes opened on or before 2 December 2025, the fee is charged when the dispute opens. For disputes opened on 3 December 2025 or later, the fee is only charged if you lose the dispute.
Fee Refunds. Total fees refunded to you. The fee type is shown under Type / Transaction ID.
Total Fees. All fees combined, excluding VAT.
VAT on Fees. VAT on Kustom fees, if applicable. If you pay Swedish VAT and your settlement currency is not SEK, the VAT is also shown converted to SEK.
Subtotal. Total fees including VAT.

Debt

Opening Total Debt. Any negative balance carried over from your previous settlement report.
Closing Total Debt. Your outstanding balance after this settlement. This becomes the Opening Total Debt in your next settlement report.
Closing Invoiced Debt. The total of your unpaid Debt Statement invoices.

Miscellaneous

Credits (Credited Invoices). Total of all credited transactions not included under Transactions and Fees.
Charges (Debt Statements). Miscellaneous charges, detailed under Type / Transaction ID. For example, Transfer From Legacy Integration is a Klarna debt statement transferred to Kustom, with the Klarna reference shown under Kustom Reference.
Applied Holdbacks. An amount reserved by Kustom. If it relates to a Klarna negative balance, the Klarna settlement reference is shown under Kustom References.
Released Amount. Previously held funds that have now been released to you.
Net Result. The total of all items in the summary.
Payout. The final amount paid out to you.

Consumer VAT submitted by you. A summary of the VAT amounts you reported on your orders, per VAT rate, for sales and returns. These correspond to transactions marked "Applied consumer VAT" in the settlement report.

Footer. The company that paid out the settlement. This is Kustom AB for Kustom-settled payouts, and the relevant Resurs Bank entity (Sweden, Norway, Denmark or Finland, based on payout currency) for Resurs-settled payouts.

Settled transactions

For each settlement, you can open a detailed list of the transactions included in it. Each row is one settled transaction and shows the following columns.

Date and time. When the transaction was settled.

Type. The kind of transaction. Common transaction types are:

Sale. A successful capture. If you specified consumer VAT, an extra line appears under the transaction ID: "Applied consumer VAT: [amount]".
Fee. A fee charged by Kustom for the transaction, such as Purchase Fee Fixed, Purchase Fee Percentage or Dispute fee. For disputes opened on 2 December 2025 or earlier, the dispute fee shows the note "Will be reimbursed upon won dispute". For disputes opened on 3 December 2025 or later, dispute fees are only charged when a dispute is lost.
Return. A refunded or returned transaction. If you specified consumer VAT, you also see "Applied consumer VAT: [amount]".
Reversal. The value of an open dispute. If you win the dispute, it is credited back to you.
Credit. A miscellaneous credit to you, described in the transaction's notes. Shown as a positive amount.
Holdback. An amount reserved by Kustom. If it relates to a Klarna negative balance, the Klarna settlement reference is shown under Kustom References.
Release. Previously held funds that have now been released to you.
Charge. A miscellaneous charge to you, described in the transaction's notes. For example, Transfer From Legacy Integration is a Klarna debt statement transferred to Kustom.

Amount. The transaction amount in the settlement currency.

VAT. VAT on Kustom fees only, when applicable. Sales and returns normally show 0.00 here, since consumer VAT is shown under Type.

References. Two references are shown in the last column:

Kustom order reference. Kustom's unique reference for the order. Always included.
Merchant order reference. Your own order reference, if you provided one.

Note: To add more fields to your CSV settlement reports or change how they are formatted, use the settlement report configuration.

Automating settlement reports with the API or SFTP

Instead of downloading settlement reports manually, you can retrieve them automatically:

Settlement API. Fetch settlement reports from your own system. See the Settlements API documentation.
SFTP (Secure File Transfer Protocol). Receive settlement reports on a secure server on a schedule. See Automatic report retrieval via SFTP.