Reporting & reconciliation
Turn transactions into a usable financial record.
Business Portal reports with XLS export, balance and activity APIs and signed webhooks give finance one itemized record of every pay-in, payout and conversion — in every country you operate in.
- Reports exportable to XLS
- Balance, activity & reconciliation APIs
- HMAC-signed webhooks
Reports exportable to XLSDaily reconciliation
Sep 29, 2026 · 🇧🇷 BRL
| Reference | Method | Net | Status |
|---|---|---|---|
| PI-8F2K1043 | Pix | 1,231.25 | Matched |
| PI-3B7Q0211 | Pix QR | 4,905.79 | Matched |
| PO-9A1C1189 | TED | 22,138.00 | Matched |
| PI-5D2E0042 | Pix | 876.65 | Matched |
| Totals · 4 items | 29,151.69 | 4 / 4 | |
Settlement batch stl_0929_BRL · 0 pending · 0 exceptions
- Core reports in the Business Portal
- 5
- Daily ledger of your account movements
- FIDES
- Scheduled report delivery
- SFTP · email
- Reports through the API or the Business Portal
- API + Portal
Why it matters
One source of truth for finance and operations
Collections, payouts, conversions and fees across countries land in the same reports and APIs, with the identifiers your systems already use.
Itemized per transaction
Each transaction carries its externalId, internalId, status, amounts and fees — and, where a conversion applies, the FX rate used.
Every country, one format
The same reports and endpoints for every market and rail, so adding a country doesn’t add a new reconciliation process.
Balances you can check
See balance and projected balance per account, and reconcile movements against them with the balance-reconciliation API.
Find any transaction
Look up a transaction by externalId, check its status, or list and filter transactions with pagination.
Webhooks in real time
HMAC-signed notifications for pay-ins, virtual accounts, payouts, currency exchange and wire in or out, retried when your endpoint doesn’t answer 200.
Scheduled delivery
Schedule Balance, FIDES, Details, Activity or Global Consolidation reports by email or SFTP — daily, weekly or monthly, in XLS or CSV.
Business Portal reports
The reports finance uses most
Run them in the Business Portal and export them to XLS for your ERP, your spreadsheets or your auditors.
Balance
- What it shows
- Current balance per account and currency
- Typical use
- Daily cash position
Projected balance
- What it shows
- Expected balance, including movements still in progress
- Typical use
- Planning payouts and funding
Activity
- What it shows
- Credits and debits on an account over a period
- Typical use
- Matching movements to your ledger
Transaction detail
- What it shows
- Each transaction with its identifiers, status, amounts and fees
- Typical use
- Order-level reconciliation and customer support
FIDES
- What it shows
- Daily ledger of account movements
- Typical use
- Daily close and audit trail
Summary descriptions. See the reporting guide on docs.localpayment.com for the exact fields of each report.
How it works
From transaction to closed books
Tag every transaction
Send your own unique externalId with each pay-in, payout or conversion. Localpayment returns an internalId for the same record.
Get notified
A signed webhook reports each status change. Your system verifies the signature, answers 200 and updates the order.
Match balances
Compare activity and balances per account through the APIs or the Business Portal reports, itemized per transaction and currency.
Close and export
Reconcile with the balance-reconciliation API and export the reports to XLS for your ERP and auditors.
Webhooks
Know the moment a status changes
Webhooks are configured per client in the Business Portal: an HTTPS URL, one country or all of them, an account and optional custom headers. Every payload is signed, so you can trust what arrives.
- Signed with HMAC-SHA256 in the X-Signature header
- Events for pay-ins, virtual accounts, subscriptions, payouts, currency exchange, wire in and wire out
- Retried with exponential backoff when your endpoint doesn’t answer 200
- Deduplicate on internalId or externalId
- 09:41:02.11409:41:02PayIn100 INPROGRESS20084 ms
- 09:41:05.90209:41:05PayIn200 COMPLETED20091 ms
- 09:42:18.33009:42:18PayOut100 INPROGRESS20077 ms
- 09:42:40.01809:42:40PayOut200 COMPLETED20088 ms
- 09:43:00.55109:43:00VirtualAccount200 COMPLETED20080 ms
POST https://example-merchant.com/webhooks/localpayment
x-Signature: HMAC-SHA256 3f9a1c0e…b47e2b
{ "transactionType": "PayIn", "transactionFlow": "DIRECT",
"data": { "externalId": "order_8F2K-1043",
"status": { "code": "200", "description": "COMPLETED" } } }Who uses it
Built for the teams that close the books
Finance & accounting
Close daily with itemized reports and balances that match your ledger.
Treasury
Follow balance and projected balance per account and currency.
Treasury —Operations & support
Find any transaction by externalId and answer customers with its exact status.
Engineering
Automate reconciliation with REST APIs, pagination and signed webhooks.
Engineering —
For developers
Reconciliation you can automate
Pull balances, activity and transactions over the same REST API you use for payments, authenticated with a Bearer token. Test every call on Stage before going live.
- GET /api/accounts/{accountNumber}/balance, /activity and /balance-reconciliation
- GET /api/transactions/{externalId} and /status
- GET /api/transactions/list/filter, with pagination
# Illustrative — see docs.localpayment.com for the exact contract
curl https://api.stage.localpayment.com/api/accounts/<your-account-number>/balance-reconciliation \
-H "Authorization: Bearer $ACCESS_TOKEN"
# List and filter transactions (illustrative parameters)
curl -G https://api.stage.localpayment.com/api/transactions/list/filter \
-H "Authorization: Bearer $ACCESS_TOKEN" \
--data-urlencode "since=2026-09-01" \
--data-urlencode "until=2026-09-30" \
--data-urlencode "page=1" \
--data-urlencode "size=100"Use cases
Reconciliation by business model
E-commerce & marketplaces
Match every order to its payment by externalId and itemize fees per sale.
E-commerce & marketplaces —Payment platforms
Reconcile per sub-account and country with the balance-reconciliation API.
Payment platforms —Payroll & global workforce
Prove every payout with status reports and proofs of payment.
Payroll & global workforce —Fintechs & wallets
Feed your ledger with signed webhooks and daily activity exports.
Fintechs & wallets —
Frequently asked questions
Which reports are available in the Business Portal?
Balance, projected balance, activity, FIDES and transaction detail. Most reports export to XLS; large exports are queued in Historical reports, and notification reports send them by email or SFTP on a schedule.
Can I reconcile through the API instead?
Yes. Balance, activity and balance-reconciliation endpoints work per account, and you can get a transaction, check its status, or list and filter transactions with pagination.
How do I match a payment to an order in my system?
Send your own unique externalId when you create the transaction. It comes back in webhooks, reports and API responses, next to the internalId that Localpayment assigns.
Are fees and FX itemized?
Yes. Transaction data includes the amount, the currency and the fees and, when a conversion applies, the FX rate and the local-currency amount.
What happens if my webhook endpoint is down?
Deliveries are retried with exponential backoff when your endpoint doesn’t answer 200. You can also query the transaction status API at any time.
Do reports work the same in every country?
Yes. The same reports, endpoints and identifiers apply in every country and rail you operate in, so a new market doesn’t mean a new reconciliation process.
Can I pull reports automatically every day?
Yes. The activity and balance-reconciliation endpoints accept date ranges, so a scheduled job can fetch yesterday’s movements and post them to your ledger.
How far back can I query transactions?
Use date filters and pagination in the list-transactions API. In the Business Portal, exports above 15,000 rows are queued and downloaded from Historical reports.
Also on the same API
Business Portal
Run reports, approve payouts and configure webhooks in one place.
Business Portal —FX & treasury
Quote, lock and convert into nine hard currencies.
FX & treasury —Virtual accounts
Every incoming transfer matched to its own account number.
Virtual accounts —Coverage
Licensed, registered or supervised presence in 18 countries and local rails in 14, country by country.
Coverage —Payment methods directory
Every documented method, with codes, limits and speed by country.
Payment methods directory —Webhooks
HMAC-SHA256 signatures, retries and every status your systems can subscribe to.
Webhooks —
Close faster, with fewer spreadsheets
See how Business Portal reports, reconciliation APIs and webhooks fit your finance workflow.