The Banking reports API enables your organization to gather annual reports on both fees paid by the organization and income earned by individual units within that organization.

The API has two endpoints:

• Get account annual fees report
• Get account income report

Both endpoints generate reports that organizations can use to assess financial information and its interaction with the Pismo Platform.

Setting up fees

Fees for Pismo accounts and transactions are set up using a combination of processing codes and/or fee models. For more information, see the following:

• Processing codes and transaction types
• Fee models

Annual fees report

The annual fees report summarizes the account fees a financial institution charges its customers over a year's time.

In addition to providing customers with an account fees overview, the annual fees report can also help financial institutions identify areas where they can improve their fee structure or reduce costs.

Requesting an annual fee report

To build a report it is important to create processing codes for the fees that the financial institution wants to monitor and guarantee it will be notified when the fee is charged from the customer account.

Pismo summarizes the values over the course of a year and when it’s time, you can call the Get account annual fees report endpoint to generate the report.

Example endpoint response:

{
  "account_id": 8675309,
  "address": "221B Baker St., London",
  "bank_account": {
    "account_number": "8675309",
    "bank": "001",
    "Branch": "0123"
  },
  "document_number": "123412341234",
  "fees": [
    {
      "amount": 4.14,
      "month": "FEB",
      "processing_code": "001000",
      "type": "FEES"
    }
  ],
  "fiscal_year": 2023,
  "name": "Dusty Storm"
}

Income report

An individual income report summarizes a person's earnings for a specific period of time.

Using the Get account income report endpoint, you can obtain an individual income report for a specific account. Individuals commonly use this report to track their income, expenses, and taxes, which may also be linked to some reports for national entities.

The report typically includes the following information:

• Total income earned during the period
• Taxes paid or withheld
• Deductions taken from the income
• Other income sources such as investments or rental income

Example endpoint response:

{
  "account_id": 8675309,
  "balances": {
    "current_fiscal_year": 10.15,
    "last_fiscal_year": 5.22
  },
  "bank_account": {
    "account_number": "12345",
    "bank": "001",
    "Branch": "0123"
  },
  "document_number": "123412341234",
  "fiscal_year": 2023,
  "incomes": [
    {
      "amount": 4.14,
      "payment_source": "Payment source One",
      "processing_code": "001000"
    }
  ],
  "name": "Pena Kolada"
}