> For the complete documentation index, see [llms.txt](https://support.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.xplorpay.com/getting-started/understand-your-monthly-statement.md).

# Understand your monthly statement

Learn how to access your statement and understand its sections and billing terms.

Your monthly statement summarizes processing volume, deposits, and fees. Use this guide to find each section and understand common billing terms.

### Access your statement

1. Sign in to [Merchant Portal](https://merchantportal.xplorpay.net/).
2. On the home page, select **Statements and Tax Forms**.
3. Select the checkbox for each statement you want to view.
4. Select **Download Selected**.

<div data-with-frame="true"><figure><img src="https://2558400777-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FaxQLo4oSBKl35JyqH54A%2Fuploads%2FfROCO5lOn9vsxGxGilQu%2Fimage.png?alt=media&amp;token=aa82a720-2594-4027-af86-09b05b0abe10" alt=""><figcaption></figcaption></figure></div>

### Understand statement sections

#### QuickView Summary

Summarizes your processing volume and fees.

<div data-with-frame="true"><figure><img src="https://2558400777-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FaxQLo4oSBKl35JyqH54A%2Fuploads%2FgR5SlT5FBOUHnusVc93a%2Fimage.png?alt=media&amp;token=cca25537-0c89-448e-86b7-6b8f8551f0aa" alt=""><figcaption></figcaption></figure></div>

#### Card Type Summary

Lists monthly transactions by card brand.

<div data-with-frame="true"><figure><img src="https://2558400777-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FaxQLo4oSBKl35JyqH54A%2Fuploads%2FcfyOamp0InoZ6MvGVJZg%2Fimage.png?alt=media&amp;token=584f19ba-40ec-40e4-b1bc-b28563193c4e" alt=""><figcaption></figcaption></figure></div>

#### Deposit Detail

Shows daily settlement totals for the month.

<div data-with-frame="true"><figure><img src="https://2558400777-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FaxQLo4oSBKl35JyqH54A%2Fuploads%2FdYj1eUeAr2UUTKLyHHun%2Fimage.png?alt=media&amp;token=b2bb0762-fcd3-4b73-890f-304c9c27b338" alt=""><figcaption></figcaption></figure></div>

#### Fee Detail

Lists fees by card brand under **Fee Description**. It lists processor fees under **Processing Fees**.

<div data-with-frame="true"><figure><img src="https://2558400777-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FaxQLo4oSBKl35JyqH54A%2Fuploads%2Fgng6VJgChSayKpObZvdl%2Fimage.png?alt=media&amp;token=93f41bdf-e508-429a-bf10-496df0d5870e" alt=""><figcaption></figcaption></figure></div>

### Key terms

**Authorization fee**\
A processing charge for each keyed or swiped card transaction. The fee applies to approved and declined transactions.

**Chargeback**\
A transaction dispute that a cardholder sends to their issuing bank.

**Debit transaction**\
A payment using a bank card that debits the cardholder's deposit account. Debit cards can also provide cash access.

**Discount rate**\
A fee charged for processing daily credit card transactions.

**Interchange**\
The domestic and international systems that Visa and Mastercard operate. These systems support authorization, settlement, and fee exchange for bankcard transactions.

**Interchange fee**\
A fee that the acquirer pays to the issuer for transaction-related costs. Visa and Mastercard set interchange fee rates.

**Monthly account fee**\
The base fee for Xplor Pay services, including merchant support.

**Transaction**\
An event that changes an organization's financial position. A card purchase is one example.

**Volume**\
The total dollar value of sales processed each month.


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