Payhawk allows you to export your company expense data as PDF and CAMT.053 account statements.
Exporting PDF account statements
The Payhawk PDF account statement contains:
The opening and closing balances of each period for each Payhawk account.
Detailed information about the transactions through Payhawk - date, type (Card transaction, Bill payment, or ATM withdrawal), description, paid amount, and the actual amount of the transaction.
Links to the corresponding expenses in Payhawk.
Exporting CAMT.053 account statements
CAMT.053 is an ISO 20022 XML-based export format used to deliver detailed end-of-day bank account statements. It is used to provide structured and comprehensive transaction data and can be imported into your ERP system for automated reconciliation. CAMT.053 contains the transactional data from money movements that have been processed through Payhawk such as deposits, card payments, bank transfers, and refunds. The version of the XML file from Payhawk is CAMT.053.001.02.
Your account's IBAN is provided under the statement's account identification element (<Stmt><Acct><Id><IBAN>), so you can rely on it to match the statement to the correct account. The export conforms to the standard ISO 20022 camt.053.001.02 schema, so any system that can read that schema, such as a TMS or ERP, can use the official ISO XSD instead of a separate Payhawk-specific specification.
Payhawk populates the following data per statement:
Group header - message id, creation timestamp.
Statement - id, electronic sequence number, from/to period.
Account block - IBAN, currency, owner (name, address), servicing bank (BIC, name, address).
Balances - opening (OPBD) and closing (CLBD) booked balances.
Transaction summary - count and sum of credit and debit entries.
Per entry - reference, amount, credit/debit indicator, status (BOOK), booking and value dates, account servicer reference, bank transaction codes (domain/family/sub-family), end-to-end id where available, counterparty name/IBAN/BIC for incoming deposits, and unstructured remittance information.
Payhawk previously offered account statements in MT940, the legacy SWIFT statement format. This has been retired and replaced by CAMT.053, the ISO 20022 XML format that is its modern successor.
Generating account statements
You can export account statements in PDF and CAMT.053 formats as described in the article about on-demand exports.
Account statement terms and definitions
Below are the definitions of key terms you may see in your account statement:
Start balance represents the available funds in your account at the beginning of the statement period, carried over from the previous period's End balance.
End balance represents the total remaining funds available in your account.
Reserved balance includes transactions that have been initiated but not yet settled. These funds are temporarily blocked because the transaction's final status is still unknown.
If the transaction is successful, the amount will be deducted from your account.
If it fails, the funds will be released back into your End balance.