Reports

Reports help you reconcile transactions and account statements. Monato generates report files automatically and notifies you with a REPORT webhook when a file is ready.

Flow

1. Monato generates a report file.
2. Monato sends a report webhook to your server.
3. Your server returns an HTTP success response.
4. Your server calls Download a report file.
5. Monato returns the download metadata: file_name and download_url.
6. Your server delivers the file, or notifies your own users that it is available.

Configure report notifications

Register a webhook with webhook_type REPORT using Create webhook configuration.

Respond to the report webhook within 5 seconds. Persist the notification before you acknowledge it, then download or process the report asynchronously. See Respond to events.

The report webhook request includes an Authorization: Bearer <token> header. No endpoint-specific error response is documented for this webhook event.

{
  "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "file_type": "TRANSACTIONS",
  "period": "DAILY",
  "file_name": "transactions_daily_20260224.csv",
  "created_at": "2026-02-24T10:30:15Z"
}

{
  "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "file_type": "ACCOUNT_STATEMENT",
  "period": "MONTHLY",
  "file_name": "account_statement_1234567890_202602.csv",
  "created_at": "2026-03-01T02:10:00Z",
  "account_id": "1234567890"
}

file_type is TRANSACTIONS or ACCOUNT_STATEMENT, and period is DAILY or MONTHLY. account_id is only present when file_type is ACCOUNT_STATEMENT.

Download a report

Call the download operation after you receive the report webhook, or proactively to check whether a file exists for a given date and type.

Endpoint: POST /v1/reports/clients/{client_id}/report/download

curl -X POST https://apicore.stg.finch.lat/v1/reports/clients/$CLIENT_ID/report/download \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "clabe_number": "123456789012345678",
    "report_type": "DAILY_ACCOUNT_STATEMENT",
    "operation_date": "2025-08-25"
  }'

{
  "file_name": "daily_account_statement_123456789012345678_20260224.csv",
  "download_url": "https://..."
}

For a transactions report, send only report_type and operation_date:

{
  "report_type": "DAILY",
  "operation_date": "2025-08-25"
}

For MONTHLY and MONTHLY_ACCOUNT_STATEMENT, Fincore normalizes operation_date to the last day of the month. For example, 2025-08-25 becomes 2025-08-31.

Missing files

If no matching file is found, the response returns 200 with file_name and download_url empty.

What to store for reconciliation

Store IDs and operational references, not sensitive payloads:

• Monato transaction ID.
• trackingId or tracking_key.
• Webhook message ID.
• client_id.
• Operation status.
• Report file name when available.

Do not log full CLABEs, card numbers, API keys, secrets, or personally identifiable information.

Errors

See the Error catalog for the error shape.