Use this article to understand the Settlements Insights page in the Kustom Portal, which shows your payouts over time, what each settlement consists of and which fees you were charged.
What Settlements Insights shows
Settlements Insights brings together your settlement and payout data, so you can see how money flows from your sales to your bank account over time. With Settlements Insights, you can:
Track your total payout amounts per month and see which payouts are settled and which are still in progress.
Understand what makes up each settlement, from sales and returns to fees, disputes and withheld amounts.
Follow how your debt balance develops between payouts.
See the fees charged per month, including purchase fees, dispute fees and VAT.
Filter all data by store, payout status, payout currency, payout reference and date range.
Show all amounts in a reporting currency of your choice.
These definitions apply to all metrics on the Settlements Insights page:
Payout. The amount transferred to your bank account for a settlement period.
Settlement. The summary of all transactions, fees and adjustments included in a payout.
Debt balance. A negative balance carried over between payouts, for example when returns and fees are higher than sales in a period.
How to open Settlements Insights
Sign in to the Kustom Portal.
Select Insights in the menu to the left.
Select the Settlements tab.
Who can access Settlements Insights
Only users with one of these roles can view Insights in the Kustom Portal:
Admin
Super Admin
Finance
Insights
If you do not have one of these roles, Insights is not shown in your Kustom Portal menu. See User management.
Filtering Settlements Insights data
At the top of the Settlements Insights page you can filter all charts by:
Stores. Show data for one or several of your stores.
Payout status. Show settled payouts or payouts in progress.
Payout currency. Show data for one payout currency.
Payout reference. Look up the data behind a specific payout.
Date range. Choose the time period you want to analyse.
All charts update automatically when you change a filter. You can also view each chart as a table, download it or expand it to full screen using the icons in the top right corner of the chart.
Changing the reporting currency
Besides filtering by payout currency, you can choose the currency all amounts are shown in:
Click the gear wheel icon in the top right corner of the page.
Under Insight settings, select your Reporting currency: CHF, DKK, EUR, GBP, NOK, SEK or USD.
All amounts on the page are converted to the selected reporting currency. This is useful if you have payouts in several currencies and want to see your combined totals in one currency.
Payout chart
The Payout chart shows your total payout amount per month, split by status:
Paid (settled). Payouts that are completed and settled to your bank account.
Payout in progress. Payouts that have been initiated but not yet settled to your bank account.
The Payout chart is shown in your selected reporting currency. Use it to follow your payout volumes over time and spot months that differ from your normal pattern, for example because of seasonality, campaigns or an unusual number of returns.
Settlement breakdown chart
The Settlement breakdown chart shows what your payouts consist of during the selected period. Each bar shows the total across all payouts in the period. For example, the opening debt balance is the sum of the opening balances of all payouts in the period.
The Settlement breakdown starts from your accumulated opening debt balance and goes through each component until it reaches the final payout amount:
Accumulated opening debt balance. Negative balance carried over from earlier payouts.
Sales. Total captured sales included in the payouts.
Returns. Refunds deducted from the payouts.
Dispute reversals. Amounts deducted when a dispute is opened on an order. If the dispute is lost, the amount stays deducted. If the dispute is won, the amount is credited back as a dispute correction.
Dispute corrections. Amounts returned to you when a dispute is won.
Purchase fees. Transaction fees for processing your orders.
Dispute fee (inc. refund). Fees charged for disputes. Fee refunds are usually refunded dispute fees, but can also be corrections of incorrectly charged fees.
VAT on fees. Value-added tax on your fees.
Amount withheld. Amounts temporarily held back from the payout.
Release of amount previously withheld. Withheld amounts that have been released to you.
Credits. All credited transactions not included under sales, returns or fees, for example credited invoices.
Charges. Miscellaneous charges deducted from the payout, also called debt statements. If your store moved from Klarna to Kustom, this can include a negative balance carried over from Klarna, shown as Transfer From Legacy Integration in your settlement report.
Accumulated closing debt balance. Negative balance carried over to future payouts.
Payout. The final amount paid to your bank account.
The Settlement breakdown chart is especially useful when a payout is higher or lower than you expected, or when you reconcile settlements with your own bookkeeping.
Fee breakdown chart
The Payment fees chart shows the total fees charged per month, split by fee type:
Purchase fee (percentage). The fee charged as a percentage of each transaction.
Purchase fee (fixed). The fixed fee charged per transaction.
Dispute fee (inc. refund). Fees charged for disputes, including any dispute fee refunds or corrections.
VAT on fees. Value-added tax on your fees.
The Payment fees chart is shown in your selected reporting currency. Use it to follow your total cost of payments over time and see how your fees change with your sales volumes and dispute levels.
Important information about Settlements Insights data
Settlements Insights data is based on analytics and is updated once per day. This can cause small differences between Settlements Insights and your settlement reports.
Settlements Insights gives you an overview and helps you analyse trends. Your settlement reports remain the source of truth for reconciliation and bookkeeping.
If you have payouts in several currencies, amounts are converted to your reporting currency, so figures may differ slightly from the original payout amounts because of exchange rates. Use the Payout currency filter to see one payout currency on its own.
The Settlement breakdown shows totals for all payouts in the selected period. To analyse one payout, filter by its payout reference.
Related articles