> For the complete documentation index, see [llms.txt](https://aplazo.gitbook.io/aplazo-integrations/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://aplazo.gitbook.io/aplazo-integrations/operations/settlements.md).

# Settlements

## Settlement Information Availability

Aplazo’s settlement process currently offers two methods for merchants to receive their settlement information:

### **Aplazo Merchant Panel**

* Log into the Aplazo Merchant Panel and navigate to the **Payment Balance (Estado de Cuenta)** section.
* Download a report containing sales, fees, and adjustments for the settlement period.

### **Merchant’s SFTP Server**

* Provide Aplazo with an SFTP server where a settlement file will be deposited for each payment processed.

{% hint style="info" %}
You can download the payment receipt for each bank transfer in Aplazo Merchant Panel.
{% endhint %}

***

## How it works

1. **Cart ID**

* When you request a payment, you include the `cart_id` in your request.
* Aplazo stores this ID to facilitate the settlement process.

2. **Authorization Number (Loan ID)**

* Upon payment confirmation, Aplazo returns an authorization (the `loan_id`).
* This ID is used alongside the `cart_id` to reconcile transactions between your system and Aplazo.

3. **Matching Transactions**

* During settlement, Aplazo uses both the `cart_id` and `loan_id` to align transaction data between your system and Aplazo’s records.

<figure><img src="/files/lGskHSQ7ry9LdtRiDFB8" alt=""><figcaption><p>Settlement Process</p></figcaption></figure>