Settlement report types

Klarna provides Settlement data in three formats — JSON, CSV, and PDF — delivered through the API and SFTP, so Acquiring Partners can choose the report type that best fits their reconciliation, accounting, and tax compliance needs.

When Klarna processes a Settlement, it generates reports that break down captures, fees, refunds, chargebacks, and other adjustments. These reports are available through two channels: the Settlements API (on-demand retrieval) and SFTP (automatic upload by Klarna). Each format serves a different purpose — from programmatic reconciliation to human-readable tax documentation.

Settlement reports reach Acquiring Partners through two channels:

• API: Retrieve reports on demand in any format (JSON, CSV, or PDF). Use the API when your system needs to pull Settlement data programmatically or when you need a specific report for a single Settlement.
• SFTP: Klarna automatically uploads CSV and PDF reports to your SFTP server after each Settlement is processed. The CSV format uploaded to SFTP is configured per Acquiring Partner by Klarna. JSON reports aren't available through SFTP. SFTP is the preferable channel for large reports — although the API streams the response, the download speed depends on the connection between your system and Klarna, and your system's capability to ingest large amounts of data.

Klarna dispatches webhooks to notify you when reports are ready, so you don't need to poll the API.

The settlement.report.created webhook includes links to the reports, so you can retrieve them directly without looking up the settlement_id first.

Report	Format	Endpoint	Delivery channels	Content
Settlement details	JSON	getSettlement	API	Settlement totals and metadata
Settlement transactions	JSON	getTransactionsBySettlementId	API	Individual transactions with pagination
Combined report	CSV	getSettlementCsv	API, SFTP	Summary + transactions in one file
Summary report	CSV	getSettlementSummaryReport	API	Settlement totals — one header row, one data row
Transactions report	CSV	getSettlementTransactionsReport	API	All transactions — one row per transaction (streamed)
Tax invoice	PDF	getSettlementTaxInvoice	API, SFTP	Tax documentation with Settlement breakdown

The JSON endpoints give you programmatic access to Settlement data with structured objects and cursor-based pagination.

Use getSettlement to retrieve the totals for a specific Settlement. The response includes the Settlement amount, currency, period, and a totals object with 15 fields covering captures, refunds, fees, chargebacks, tax, holdbacks, releases, and debt balances.

Use getTransactionsBySettlementId to retrieve individual transactions for a Settlement. The response uses cursor-based pagination — pass size, starting_after, or ending_before to page through results.

Each transaction is polymorphic, meaning its structure varies by type. See Transaction types reference for the full breakdown.

Klarna offers three CSV report variants. The combined report is a legacy format that merges summary and transaction data into a single file that isn't strictly CSV-compliant. For standard CSV processing, use the separate summary and transactions endpoints instead.

The getSettlementCsv endpoint returns a single CSV file containing both the Settlement summary and individual transactions.

Summary section columns: settlement_id, payment_acquiring_account_id, payment_acquiring_account_reference, created_at, period_from, period_to, settlement_amount, currency, capture_amount, refund_amount, capture_fixed_fee_amount, capture_variable_fee_amount, dispute_fee_amount, fee_correction_amount, chargeback_amount, correction_chargeback_amount, tax_amount, holdback_amount, release_amount, opening_debt_balance, deposit_amount, repay_amount, closing_debt_balance, paid_out_at, payout_bank_account_reference, payment_reference, settlement_account_id, settlement_account_reference

Transaction section columns: type, detailed_type, created_at, amount, currency, transaction_event_amount, transaction_event_currency, exchange_rate, payment_account_id, payment_account_reference, product_id, payment_transaction_id, payment_transaction_created_at, payment_transaction_reference, payment_capture_id, payment_capture_reference, payment_refund_id, payment_refund_reference, payment_dispute_id, payment_chargeback_id, tax_amount, tax_rate, applied_transaction_fee, applied_cross_border_fee, applied_buy_rate_incentives, applied_sell_rate_incentives, price_plan_id, payment_program_id, merchant_category_code, store_id, store_reference

The getSettlementSummaryReport endpoint returns a standard CSV with one header row and one data row containing Settlement totals and payout details.

The columns are the same as the summary section columns in the combined report.

The getSettlementTransactionsReport endpoint returns a standard CSV with one header row and one row per transaction. This report is streamed, so it can handle very large Settlements. The columns are the same as the transaction section columns in the combined report, with the addition of a settlement_id column.

These conventions apply to all CSV endpoints:

• Delimiter: Comma (,)
• Amounts: Minor currency units — $1.00 is represented as 100
• Amount signs: Positive values are credits, negative values are debits
• Percentages: Integer in minor units — 15.57% is represented as 1557

The getSettlementTaxInvoice endpoint returns a PDF document that breaks down Settlement amounts — sales, fees, taxes, refunds, chargebacks, and more. It can be used as supporting documentation for:

• VAT invoices in the EU
• Tax invoices in AU/NZ

Settlement transactions are polymorphic — each transaction has a type that determines which detailed_type values and fields are populated. All amounts follow the same sign convention: positive values are credits to the Acquiring Partner, negative values are debits.