Statements and billing
Produce the statement a cardholder reads, and manage the period, delivery preference and address behind it.
Where this is used
Implemented on 2 programmes. A capability is one business idea, built once per card programme, so these are the programmes it applies to.
- 16 operationsCredit Digital Channels Integration APIOpen this capability’s operations in the reference.
- 4 operationsCommon MethodsOpen this capability’s operations in the reference.
Journeys that walk through it
Guides about it
- Accounting and ReconciliationComprehensive accounting integration with automated journal entries, balance reconciliation, and financial reporting for card operations.
- End of Day (EOD)Automated end-of-day processing with batch operations, interest calculation, statement generation, and daily reconciliation.
How this behaves
A statement belongs to the main card
The main card's reference is required; a supplementary card's own reference will not fetch one. A supplementary card's spending appears as rows on the main card's statement.
On the detail read the date is marked nullable and is not treated as optional: the totals are fetched with it before the branch for an absent one can take effect, so a request without it does not succeed. The seven-month window below narrows the rows; it does not stand in for the date.
Two things decide whether a statement comes back
| What happens | |
|---|---|
| No minimum given | The rows reach back to the first of the month seven months back. Older periods are outside it. |
| A statement date given | The minimum is not applied at all — that is how an older statement is reached. |
| Current table empty | The read falls back to the history table, where older statements are moved. |
| Both empty | Totals stay at zero and the response is still a 200. |
Rows can come back while the totals stay at zero. They are fetched independently, so neither confirms the other.
Beyond stamping the read, the channel is matched against one channel in the catalogue for which reward transactions are removed from the detail. Independently of the channel, instalment rows in one transaction group are removed unless they are cash-instalment early releases. The same statement read on two channels is not guaranteed to carry the same rows, and this is a condition in the code rather than a configuration.
Operations
credit-digital-channels-integration
/credit/api/getCardStatementSummary
Retrieves summary information for a specific statement.
POST/credit/api/getCardStatementDetail
Retrieves detailed line items for a specific statement.
POST/credit/api/getCreditCardStatementSendPreference
Retrieves customer's statement delivery preferences (email, SMS, postal mail).
POST/credit/api/getCardStatementList
Retrieves list of statements (billing cycles) for a card.
POST/credit/api/getCreditCardLastStatement
Retrieves the most recent statement information.
POST/credit/api/getCreditCardLastStatementNew
Retrieves the most recent credit card statement information using ShadowCardNumber and channel. Validates card identifiers, resolves the main card reference number, and fetches the latest statement summary. Returns existing reward points, detailed last statement data, and a list of recent statement summaries ordered by statement period.
POST/credit/api/getCardStatementDetailSummary
Combines statement summary and detail in a single call.
POST/credit/api/getCardStatementDetailSummaryNew
Retrieves a summary of credit card statement details including transaction rows, total amounts, minimum payments, remaining debt, earned points, due dates, and currency information. Uses GetCardStatementDetail or GetCardStatementDetailNew internally and maps results to GetCardStatementDetailSummaryResponse objects.
POST/credit/api/changeCreditCardStatementPeriod
Changes the statement period (billing cycle) for a card.
POST/credit/api/getStatementPeriodChangeCount
Retrieves count of statement period changes allowed or remaining.
POST/credit/api/getCalculatedStatementPeriod
Calculates what the statement period would be based on parameters.
POST/credit/api/getStatementPeriodByProductNumber
Retrieves available statement periods for a product.
POST/credit/api/changeCreditCardStatementSendPreference
Updates statement delivery preferences.
POST/credit/api/getCardStatementAddressInformation
Retrieves statement delivery preferences for a credit card based on MainCardRefNumber. Includes flags for statement posting, email, and SMS delivery. Fetches CardMaster and CustomerMaster data.
POST/credit/api/getCardFinancialInfoByCardRefNumber
Retrieves financial information for a card by card reference number.
POST/credit/api/getStatementPeriodChangeInfo
Retrieves detailed information about statement period changes for a specific credit card. The service validates the CardRefNumber, fetches the card master record, and then retrieves statement change info from the repository. The response includes the current StatementDate, the next two statement dates (Next1StatementDate, Next2StatementDate), the LastChangeDate, the remaining allowed yearly statement changes (YearlyRemainingStatementChangeCount), and a flag indicating whether a statement period change is currently available (IsStatementPeriodChangeAvailable).
integration-corebanking-indoor
/Indoor/api/getDelinquencyInterestAmount
Calculates and retrieves delinquency interest amounts for overdue accounts.
POST/Indoor/api/setStatementDocumentId
Associates a document ID with a statement (e.g., for PDF generation, archival).
POST/Indoor/api/setStatementDocumentOnly
Sets document ID without additional processing.
POST/Indoor/api/getCardStatementCutoffReport
Retrieves statement cutoff information including balances, interest, fees, and charges for statement generation.
integration-corebanking-outdoor · not published
/Outdoor/api/getCreditCardBalanceInstitution
Reports a credit card's balance to core banking
/Outdoor/api/getCreditCardCurperListInstitution
Reports a credit card's current-period transaction list to core banking
/Outdoor/api/getCreditCardInformationInstitution
Reports a credit card's details to core banking as the institution asks for them
/Outdoor/api/getCreditCardStatementInformationInstitution
Reports a credit card's statement details to core banking