> ## Documentation Index
> Fetch the complete documentation index at: https://docs.singapay.id/llms.txt
> Use this file to discover all available pages before exploring further.

# Statement

A real-time ledger of your SingaPay account balance — every credit, debit, and fee recorded in the order they happened. Available at both merchant level and per sub-account.

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## What is a balance statement?

A balance statement is a chronological record of every movement in your SingaPay balance. Each entry shows the transaction type, amount, running balance, and a timestamp. Think of it as your SingaPay bank statement — a complete audit trail of where every rupiah came from and where it went.

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## What's included

| Entry type                 | Description                                                                   |
| -------------------------- | ----------------------------------------------------------------------------- |
| **Payment received**       | Funds credited from a completed customer payment (VA, QRIS, card, e-wallet).  |
| **Disbursement sent**      | Funds debited when you initiate a bank transfer or e-wallet pay out.          |
| **Fee deducted**           | SingaPay transaction and processing fees applied per transaction.             |
| **Settlement transferred** | Net funds transferred to your nominated bank account on the settlement cycle. |
| **Refund issued**          | Funds returned to a customer and debited from your balance.                   |

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## Two levels of visibility

* **Merchant-level:** The aggregate balance across all sub-accounts owned by your merchant profile.
* **Account-level:** The individual balance for a specific sub-account, including its own pending funds.

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## Exporting balance statements

Navigate to **Statement** in the dashboard. Select the date range and account, then export to CSV. For automated exports, use the Balance Statement API endpoint to pull entries programmatically on any schedule.

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