Customer Account Statements

An account statement lists every transaction you make on the Nium One platform, including deposits, withdrawals, spending, fees, payments, refunds, and so forth. As a client offering a financial account to your customers, you can give your customers an account statement either periodically or based on their specific requests. An account statement helps your customers keep the information for their records to reconcile their transactions. It also helps them analyze their account activity.

You can generate an account statement for your customers using the Report APIs — a unified set of APIs designed to support multiple report types. This means you integrate once and can access different report types in the future without additional API integrations.

• Clients can generate an account statement via an API and user interface.
• A multicurrency account statement is a single document that lists all transactional activity across the currencies.
• A currency-wise statement gives the flexibility to download statements in your desired currency.
• A customizable frequency to download account statements.
• An account statement can be downloaded any time and contain up to six months' worth of data.
• An account statement is available in CSV and PDF file formats.

Format	Best used for	Other benefits
CSV	Customization, data analysis, and integration with other software.	This format is standard for all clients.
PDF	An accurate representation for reviewing and printing.	Client-specific template with the client's logo and support email address.

Configure your account statement

If you want to use this feature, you need to contact your Nium representative and provide the below details:

• Your logo to be included in the statement.
  • Logo file — Saved in a public-domain file type, such as JPG, PNG, and PDF.
  • Logo dimensions — The maximum height is 60 pixels. The width is taken based on the logo's aspect ratio.
  • Logo size — The maximum file size is 250 KB.
• The email address of your customer support team for customers to raise any issue regarding the statement. It's placed under the Important section at the bottom of the PDF.

Nium makes use of the above details and works with you to finalize the statement template to be defined in the system and ready for use.

Use your account statement

A typical account statement contains the following:

• Account holder's name and address
• Period of statement
• Wallet hash ID of the customer
• Balance summary — the opening and closing balance of each currency
• Currency-wise transaction details. The transactions made in each currency during the statement period, including deposits, withdrawals, transfers, fees, and exchange rates used for currency conversions.

The filename uses dates in YYYY-MM-DD format and its naming convention is either:

• Account_statement_<startdate>-<enddate>.csv
• Account_statement_<startdate>-<enddate>.pdf

Example file name: Account_statement_2023-02-15-2023-03-14.csv

Generate a statement

To generate an account statement:

1. Request a statement using the Report APIs request. Nium receives the request and starts generating the report.
2. Once the account statement is generated, Nium sends the Report Generation Status webhook.
3. Use the webhook status to decide what to do next:

• If status is COMPLETED, download the statement using the Download Generated Report request.
• If status is FAILED, request the statement again and wait for the next webhook update.

Push a statement to SFTP

In addition to downloading the account statement via the View Account Statement request, Nium can push the generated report directly to your SFTP server. This is useful if you prefer to automate retrieval without calling the API after every webhook.

To set up SFTP delivery, contact your Nium representative with your SFTP server details. The following authentication types are supported:

• Password-based — authenticate using a username and password.
• SSH key-based — authenticate using a private SSH key.
• SSH key + password-based — authenticate using both a private SSH key and a password.

Once configured, the report is automatically pushed to your SFTP server after the Report Generation Status webhook fires with status: COMPLETED. You do not need to call the View Account Statement request separately in this case.

Nium API & webhook requests

Requests

API Requests	Endpoint	Description
Initiate Report Generation	POST /api/v1/client/{clientHashId}/report	Request to generate the account statement.
Download Generated Report	GET /api/v1/client/{clientHashId}/report/{reportRequestId}/download	Get the generated account statement.

Webhook

Webhook Requests	Description
Report Generation Status	Webhook to provide the status of account statement generation. If status = COMPLETED, call the View Account Statement request to view the account statement.

Report Generation Status

This event is triggered when the requested report status is changed. The report is either successfully generated or failed.

https://<customerHost:Port>/webhook

Header

Field	Description
Content-Type	application/json

Request example

curl --location --request POST 'https://<customerHost:Port>/webhook' \
-H 'content-type: application/json' \
-d '{
  "name": "REPORT_GENERATION_STATUS",
  "requestedAt": "2026-01-22T10:30:00Z",
  "generatedAt": "2026-01-22T10:45:30Z",
  "reportRequestId": "6fde3c79-aa16-40f0-bcd9-3d542d3d9880",
  "status": "COMPLETED",
  "message": "Report generated successfully. File is ready for download."
}'

Response body

Field	Description	Type
name	The name of the webhook — REPORT_GENERATION_STATUS.	string
requestedAt	This field contains the report requested date and time in the yyyy-MM-dd HH:mm:ss Coordinated Universal Time format.	string
generatedAt	This field contains the report generated date and time in the yyyy-MM-dd HH:mm:ss Coordinated Universal Time format.	string
reportRequestId	The unique report identifier that's generated when the report is requested for which the webhook is triggered.	string
status	The status of the generated report as COMPLETED or FAILED.	string
message	The message for the above status if the report is generated successfully or not.	string

Transaction types

The below tables list transaction types and their naming convention on the account statements.

Payin and Payout transactions

Transaction type	Naming convention	Description
Customer wallet credit fund transfer	Account-to-account transfer	The funds received in the wallet from another customer's wallet of the same client.
Customer wallet debit fund transfer	Account-to-account transfer	The funds sent from a wallet to another customer's wallet of the same client.
Customer wallet debit intra region	Account-to-account transfer	The funds sent from a wallet to another customer's wallet of a different client but of the same regulatory region.
Customer wallet credit intra region	Account-to-account transfer	The funds received from a wallet to another customer's wallet of a different client but of the same regulatory region.
Customer wallet debit cross region	Account-to-account transfer	The funds sent from a wallet to another customer's wallet of a different client and of a different regulatory region.
Customer wallet credit cross region	Account-to-account transfer	The funds received from a wallet to another customer's wallet of a different client and of a different regulatory region.
Regulatory auto sweep	PLAIS auto sweep	For European Economic Area (EEA) regulatory requirements, this transaction includes the amount moved from any other currency to the European Monetary Unit (EUR). This is the requested block currency by the regulator, in case of a block instruction. In addition, this is valid if there's insufficient balance in EUR for blocking.
Regulatory block	PLAIS block	For EEA regulatory requirements, this transaction includes the amount moved to the blocked amount from EUR. This is the requested block currency by the regulator, in case of a block instruction.
Regulatory debit	PLAIS debit	For EEA regulatory requirements, this transaction includes the amount debited from the block amount or wallet balance of EUR. This is the requested block currency by the regulator. This is valid when the regulator asks to send the blocked amount to a beneficiary.
Remittance debit / Remittance debit external	Outward fund transfer	Remittance debit: The debit from the wallet for remittance to one's own account. Remittance debit external: The debit from the wallet for remittance to another account.
Remittance reversal	Outward fund transfer — returned	The reversal of a remittance transaction.
Wallet credit mode card	Funding	The fund credit to a wallet using a card.
Wallet credit mode offline	Inward fund transfer	The fund credit to a wallet using an offline mode, such as a bank transfer, from the customer's own account.
Wallet credit mode prefund	Funding	The fund credit to a wallet using a client prefund.
Wallet credit mode prefund cross currency	Funding	The cross-currency fund credit to a wallet using a client prefund.
Wallet credit mode offline third-party	Inward fund transfer	The fund credit to a wallet, in the same currency, using an offline mode, such as a bank transfer from a third party.
Wallet fund transfer	Exchanged	The fund transfer within a wallet, from one currency pool to another.
Wallet refund	Unload	The refund money from the wallet back to the client.
Regulatory debit reversal	PLAIS reversal	For EEA regulatory requirements, this transaction includes the amount returned in case of a failed Regulatory_Debit remittance.
Transfer local	Local fund transfer	The local payments debited from the wallet through the payment initiation service (PIS) open banking.
Transfer local reversal	Local fund transfer — Returned	The local payments that are credited or reversed from the wallet through the PIS open banking.

Card transactions

Transaction type	Naming convention	Description
Auto sweep	Exchanged	Automatically sweep from one currency to another within a wallet to authorize a transaction if multicurrency auto-sweep is set up.
Chargeback credit	Dispute credit	Credit transaction in the case of a chargeback.
Debit	Spend	Card transactions, such as POS and ECOM.
Debit	Cash withdrawal	Card transactions — ATM only.
Original credit	Merchant credit	Receiving incoming Original Credit Transfer (OCT) and credit to the wallet linked to the cardholder's card.
Reversal	Reversal	Online reversal of a transaction.
Reversal advice	Reversal advice	Reversal is initiated when a timeout scenario happens. If Visa or Mastercard time out a card transaction, they generate a reversal advice to roll back the transaction. In the case of wallet clients, Nium applies the reversal advice and provides the credit back to the customer. In the case of Delegated Model authorization clients, Nium reverses funds on the client prefund account and forwards the reversal advice to the Delegated Model authorization client for crediting funds back to the customer.
Settlement credit	Refund	Funds are credited to the cardholder's wallet when the settlement amount, processed during clearing, is less than the transaction amount, processed during the authorization.
Settlement debit	Additional charge	Funds are debited from the cardholder's wallet when the settlement amount, processed during clearing, is more than the transaction amount, processed during the authorization.
Settlement direct debit	Spend	Funds are debited from the cardholder's wallet for transactions based on the settlement file; for example, force posting.
Settlement direct reversal	Transaction reversal	Funds are credited to the cardholder's wallet for the reversal of a debited transaction based on the settlement file.
Settlement reversal	Refund	Funds are credited to the cardholder's wallet for the reversal of a debited transaction.

Fee transactions

Transaction type	Naming convention	Description
Account inactive fee	Monthly account inactivity fee	Monthly fee charged for inactive accounts.
Account maintenance fee	Monthly account maintenance fee	Monthly fee charged for account maintenance.
Add-on card fee	New add-on card fee	Per card issuance fee charged for each add-on card issuance.
ATM decline fee	Fee for declined cash withdrawal	Per transaction fee charged on an ATM transaction decline.
ATM fee	Fee for cash withdrawal	Per transaction fee charged on an ATM transaction.
Ecom fee	Fee for online purchases	Per transaction fee charged on e-commerce or online transactions.
International ATM fee	Fee for international cash withdrawal	Per transaction fee charged on an international ATM transaction.
Non-ATM Decline Fee	Fee for a declined transaction	Per transaction fee charged on a non-ATM transaction decline.
P2P fee	Fee for account-to-account transfer	Per transaction fee charged on a P2P fund transfer.
Plastic fee	New plastic card issuance fee	One-time physical card issuance fee.
Remit bank fee	Fee for outward fund transfer	Per transaction fee charged on Remittance_Debit and Remittance_Debit_External transactions when the payoutMethod = LOCAL.
Remit bank fee swift	Fee for outward fund transfer	Per transaction fee charged on Remittance_Debit and Remittance_Debit_External transactions when the payoutMethod = SWIFT.
Remit card fee	Fee for outward fund transfer	Per transaction fee charged on Remittance_Debit transactions when the payoutMethod = CARD.
Remit cash fee	Fee for outward fund transfer	Per transaction fee charged on Remittance_Debit transactions when the payoutMethod = CASH.
Remit wallet fee	Fee for outward fund transfer	Per transaction fee charged on Remittance_Debit transactions when the payoutMethod = WALLET.
Transaction markup	Fee for foreign transaction	Per transaction fee charged on cross-currency transactions when the transaction currency is different from the authorized currency.
Virtual card fee	New virtual card issuance fee	One-time virtual card issuance fee.
Wallet credit offline fee	Fee for inward fund transfer	Per payin transaction fee when the customer is a remitter (self-funding).
Wallet credit third-party fee	Fee for inward fund transfer	Per payin transaction fee when the customer isn't the remitter.
Wallet refund fee	Fee for unload funds to program	Per transaction fee charged on wallet refund.