Statements

Pinch generates two types of financial documents for every merchant account:

• Daily statements: a summary of all settlement activity (payments, dishonours, refunds, fees) for a given business day.
• Merchant invoices: Pinch's tax invoice to you, covering the fees charged for a billing period.

Both are accessible via the API and can be downloaded as PDFs.

Daily statements

A daily statement is generated each business day that includes any settled or disbursed activity. It is the primary document for reconciling what arrived in your bank account.

A statement includes:

• Total payments collected
• Total dishonours
• Total refunds issued
• Processing fees and application fees deducted
• Net amount transferred to your settlement bank account

Retrieving statements

Use the Statements API to list and retrieve statements:

• List statements: returns a paged list of statements for your merchant, ordered by date.
• Get a statement: fetches a single statement by its ID, including a URL to download the PDF.
• Download PDF: the statement response includes a pre-signed URL to download the statement as a PDF.
• Resend by email: you can trigger a resend of the statement email to the merchant's registered address.

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Statements correspond 1:1 with Transfers. Each transfer that settles funds to your account will have a corresponding statement.

Merchant invoices

A merchant invoice is Pinch's tax invoice to you, covering the fees charged for a billing period. This is the document you would use to claim the fees as a business expense.

Merchant invoices are available via the Statements API alongside daily statements.

Downloading invoices

Invoices are available as PDFs. Retrieve the invoice using the same Statements API endpoints; the document type field distinguishes between a daily statement and a merchant invoice.

Staying up to date

Pinch automatically emails statements to the registered merchant address after each settlement run. If you need to retrieve them programmatically (for example, to archive in your own accounting system or display them in a merchant portal), use the API.

See the Transfers Guide to understand how transfers relate to statements and how to reconcile individual payment line items.