Statements

Synctera will generate a statement payload for any account that requires periodic statements to be provided to the customer, through the Statements API. These payloads are made available at the end of every billing period, which is usually from the first to the last day of a calendar month. At this time, Synctera does not generate a printable version of a statement.

Prerequisites

This guide assumes that you are already familiar with the customer and account APIs, and have one or more accounts created. If this is not the case, refer to the following guides:

Customers

Business Customers

KYC/KYB Verification

Accounts

Statement generation

The V2 version of this API supports multiple statement types

DEPOSIT – Checking, savings, and other depository accounts.
- Guide: Checkings and Savings Statements
LINE_OF_CREDIT – Unsecured line of credit accounts.
- Guide: Line of Credit Statements
CHARGE_SECURED – Synctera Smart Card / secured charge accounts (linked to a security deposit account).
- Guide: Charge Secured Statements
CHARGE_UNSECURED – Unsecured charge accounts (beta).
- Statement schema available via the v2 Statements API reference.

For type‑specific fields and compliance requirements (for example, APR, minimum payment for credit products), use the dedicated statement guides linked above. A statement is generated automatically at the end of an account’s billing period. At this time, billing frequency is monthly, meaning that at the end of every calendar month a bank statement will be generated for every eligible account:

Billing frequency

A statement is generated automatically at the end of an account’s billing period.

For deposit accounts (DEPOSIT statements), billing frequency is currently monthly, from the first to the last calendar day of each month.
For Line of Credit and other credit products, billing frequency is defined by the product configuration (for example, monthly or biweekly) and governed by Reg Z/FCBA requirements; see the Line of Credit / Charge Secured statement guides and credit PRDs.

Eligible account types

In v2, statements are available for the following account types via the Statements API:

CHECKING and SAVING – appear as statement_type = “DEPOSIT”.
LINE_OF_CREDIT – appear as statement_type = “LINE_OF_CREDIT”.
CHARGE_SECURED – appear as statement_type = “CHARGE_SECURED”.
CHARGE_UNSECURED – appear as statement_type = “CHARGE_UNSECURED” (beta).

Each eligible account receives a statement for every completed billing period in which it was active, subject to product‑specific rules (for example, “only if the account was active during the period” for some deposit accounts). Once a statement is generated, a notification will be sent via webhook. Please refer to the Webhook Events section for details.

Statement content

In order to produce regulatory-compliant, human-readable statements, this API provides the following information:

Section	Field(s)	Description
	`start_date` and `end_date`	The date interval covered by the statement, inclusive.
	`issue_date`	The date the statement was issued.
	`opening_balance` and `closing_balance`	The final posted balances recorded at the beginning of `start_date` and at the end of `end_date`.
	`disclosure`	A suggested disclosure statement to display.
	`transactions` (deprecated)	A list of transactions posted during the statement period. This field is deprecated, please see this section for details.
`account_summary`	-	Information about the account.
`account_summary`	`financial_institution`	Information about the financial institution managing the account.
`customer_service_details`	-	Contact information for use by the customer if they wish to dispute the information in this statement.
`primary_account_holder_personal`	-	When `account_summary.customer_type` is `PERSONAL` then `primary_account_holder_personal` contains information about the person acting as primary account holder.
`primary_account_holder_business`	-	When `account_summary.customer_type` is `BUSINESS` then `primary_account_holder_business` contains information about the company holding this account.
`joint_account_holders`	-	A list of all individuals designated as joint account holders for this account.
`authorized_signer`	-	A list of all individuals designated as authorized signers for this account.
`savings_summary`	`apy`	If the account has an interest product associated with it, this field will describe the APY earned based on the interest payout in this period.
`savings_summary`	`interest_earned` and `interest_earned_ytd`	If the account has an interest product associated with it, this field will describe the interest earned on during this billing period, and the sum of interest earned during the calendar year.

For more details about the schema returned by this API, please refer to the Statements API specification. Here is a sample statement produced using the information provided by this API:

Webhook Events

This section assumes you are familiar with our webhook API. If not, please see the webhooks guide for more context.

When a statement is generated, a webhook notification will be sent to subscribers of event type STATEMENT.CREATED. The event will contain a full version of the statement payload, following the spec outlined in the Statements API specification. Please note that if a statement contains an excessive number of transactions, the system may opt to return an empty list in the webhook notification to the subscriber due to technical limitations. This will be reflected in the payload with transactions_omitted set to "true" and an empty transactions attribute.

API Workflow

Step 1: List the statements for a given account

If statements are available for an account, you can retrieve a summarized list by calling GET /v2/statements, with an account_id query parameter:

curl --request GET \
   --url https://api.synctera.com/v0/statements?account_id=37083b2c-d3f9-4a7f-b781-7342285c368e \
   -H 'Accept: application/json' \
   -H "Authorization: Bearer $apikey"

This route only gives high-level details about each statement. Once you know the ID of the statement you’re looking for, you can retrieve details about that statement.

Step 2: Retrieve the details for a given statement

With a statement ID, you’ll be able to pull detailed information about the statement:

curl --request GET \
   --url https://api.synctera.com/v0/statements/a4554821-22c2-4053-8b50-768365b98c83 \
   -H 'Accept: application/json' \
   -H "Authorization: Bearer $apikey"

Transaction information will be omitted from the statement detail response payload in future versions of the API. We recommend that all existing clients migrate to calling the dedicated transactions endpoint instead of relying on the transactions attribute.

Step 3: List the transactions for a statement

With a statement ID, you’ll be able to pull the list of transactions that pertain to that statement:

curl --request GET \
   --url https://api.synctera.com/v0/statements/a4554821-22c2-4053-8b50-768365b98c83/transactions \
   -H 'Accept: application/json' \
   -H "Authorization: Bearer $apikey"

This list will only include posted transactions at the time of statement generation. These are also only returned to you in descending order of posted date.

Overview

Products

Onboard a Personal Customer

Onboard a Business Customer

Create Accounts

Link External Accounts

Link External Cards

Issue Cards

Move Money

Get Transactions

Dispute Transactions

Platform Tools

Prerequisites

Customers

Business Customers

KYC/KYB Verification

Accounts

Statement generation

Billing frequency

Eligible account types

Statement content

Webhook Events

API Workflow

​Prerequisites

Customers

Business Customers

KYC/KYB Verification

Accounts

​Statement generation

​Billing frequency

​Eligible account types

​Statement content

​Webhook Events

​API Workflow

Prerequisites

Statement generation

Billing frequency

Eligible account types

Statement content

Webhook Events

API Workflow