Overview

Your Reap Card statement is the primary document for reconciliation. It shows collateral movements, outstanding balance changes, repayments, and transaction detail grouped by cardholder. The CSV export adds fields not available in the PDF, including cleared dates and reference IDs.

For a full explanation of what each section of your statement means, see Understanding Your Reap Card Statement

Jump to

• Before you start
• Step 1: Download your statement and CSV export
• Step 2: Reconcile your collateral deposits
• Step 3: Reconcile your repayments
• Step 4: Match transactions in your accounting system
• Frequently Asked Questions

Before you start

Before you begin, make sure you have the following ready:

• Access to your Reap Direct dashboard
• Your company bank records or stablecoin wallet transaction history for the period you are reconciling
• Your accounting system open and ready to match entries

Step 1: Download your statement and CSV export

You will need two files from your Reap dashboard: the PDF statement and the CSV transaction export. These complement each other - the PDF gives you a structured summary by cardholder, while the CSV gives you field-level detail for accounting imports.

Download your monthly statement

1. Log in to your Reap dashboard at dashboard.reap.global.
2. In the left sidebar, click Cards, then click Balance & Statements.

3. Under Previous statements, choose the statement period you are reconciling.

   

4. Click Download PDF to get your Monthly Card Statement, or Download CSV to get your transaction report.

Download your CSV transaction export

1. Log in to your Reap dashboard at dashboard.reap.global.
2. In the left sidebar, click Cards, then select Transactions.
3. Apply filters to match the period you are reconciling. You can filter by date range, status, card, or cardholder.
4. Click Export all, then choose one of the following:
   • Export all transactions - downloads a CSV of your full transactions list.
   • Export all receipts - sends a ZIP file of all your receipts to your email (no CSV included).
   • Export selected transactions - downloads a CSV of your currently selected or filtered transactions.

   • Export selected receipts - sends a ZIP file of receipts for your selected or filtered transactions to your email (no CSV included)

     

The CSV includes three fields that do not appear in the PDF: transaction status, cleared date, and reference ID.

Step 2: Reconcile your collateral deposits

Navigate to the Collateral movement section of your statement. This section shows:

• Opening and closing collateral balance by asset
• Each deposit made during the period, including the FX rate applied at the time
• Repayments made using collateral
• How your credit limit changed as a result

Match each deposit line to your corresponding on-chain transaction or bank transfer record. Use the deposit amount and date to find the matching entry.

If an FX rate was applied, the collateral value shown in Reap may differ from the amount you sent. This is expected and is explained in the statement.

Note: If you do not see your recent deposit reflected as collateral, please contact our Support Team for assistance.

Step 3: Reconcile your repayments

Open the Account Summary section of your statement. This section shows:

• Your opening outstanding balance
• All repayments made during the period
• Any fees, interest charges, or late payment fees applied
• Your closing outstanding balance

Match each repayment line to your bank transfer record or crypto transaction hash. Each repayment will appear as a reduction in your outstanding balance.

Note: If you do not see your recent repayment has settled your outstanding balance, please contact our Support Team for assistance.

Step 4: Match transactions in your accounting system

Use the CSV export to match individual card transactions to entries in your accounting system. The following fields are most useful for matching:

Refunds appear as positive credit amounts in the CSV. Match them to the original transaction using the merchant name, amount, and approximate date.

Frequently Asked Questions

My collateral balance does not match what I deposited. Why?

Deposits are converted at the FX rate applied at the time of deposit. Check the FX rate shown in the Collateral Overview section of your statement against the rate at the time of your transfer. The difference is due to this conversion.

Where do I find the cleared date for a transaction?

Cleared dates are only available in the CSV export. They do not appear in the PDF statement.

A repayment I made does not appear in the statement. What should I do?

Check whether the repayment was made before or after the statement cut-off date. If it falls outside the period, it will appear on the next statement. If you believe it should appear and it does not, contact support with your payment reference and amount.

Why are transactions grouped by person in the statement instead of by date?

The statement groups transactions by cardholder to make employee-level review easier. If you need a date-ordered view for reconciliation, use the CSV export and sort by cleared date.

A chargeback appeared on the wrong card in my statement. Does this affect my reconciliation?

Chargebacks post to a single physical card regardless of which card initiated the original transaction. This affects statement attribution only. It does not change your outstanding balance, repayments, fees, or interest. Reconcile the chargeback against your outstanding balance, not the individual card.

Can I import the CSV directly into my accounting system?

Yes. The CSV is structured for import into systems like NetSuite, Xero, or Oracle. Use the reference ID as the unique transaction identifier and the cleared date as the settlement date.

Contact our Support Team

If you have questions or need assistance, contact our support team via the Live Chat in the Reap Dashboard (bottom right corner) or email us at hello@reap.global

For more information, visit Know who to talk to at Reap.