# Send a settlement journal

Sends the settlement journal to Wise. There are two types of settlement:

- Same Currency Settlement — Settle in the same currency as the transfers (e.g., settle USD transfers with USD).
- Cross Currency Settlement — Settle in a different currency (e.g., settle PHP transfers with USD). In this case, you must specify settlementCurrency and include exchangeRate on every transfer.

{% admonition type="info" %}
You must use a client credentials token to authenticate this call.
{% /admonition %}

Endpoint: POST /v1/settlements
Security: ClientCredentialsToken

## Request fields (application/json):

  - `type` (string, required)
    Type of settlement.
    Enum: "TRUSTED_BULK_SETTLEMENT"

  - `settlementReference` (string, required)
    Reference used when paying the end of day settlement monies to Wise. This should match so that Wise can link the payment.

Maximum 10 characters, must start with TPFB prefix.
    Example: "TPFB190322"

  - `settlementDate` (string, required)
    The date you send the settlement funds, ISO 8601 format.
    Example: "2019-03-22T23:59:59-05:00"

  - `settlementCurrency` (string)
    The currency in which the transfers in this journal will be settled. If included, the exchangeRate must be set on every transfer in the transfers array.
Only include if you will settle in a currency different to the source currency of transfers.
    Example: "USD"

  - `transfers` (array, required)
    Array of transfers to be settled.

  - `transfers.id` (integer, required)
    ID of the transfer to be settled.
    Example: 125678

  - `transfers.date` (string, required)
    The date the transfer was created, ISO 8601 format.
    Example: "2019-03-22T10:00:12-05:00"

  - `transfers.sourceAmount` (number, required)
    Transfer source amount with fee, always positive.
    Example: 23.24

  - `transfers.sourceCurrency` (string, required)
    Transfer source currency (ISO 4217).
    Example: "USD"

  - `transfers.customerName` (string, required)
    Name of the customer. Helps identify customer when manual operation is required.
    Example: "Joe Bloggs"

  - `transfers.partnerReference` (string, required)
    The transaction/payment identifier in your system, uniquely identifies the transfer in your platform.
    Example: "11111"

  - `transfers.comment` (string)
    Other data about the transfer or sender.

For USA, you should send the account refund information for the sending customer (account number, routing number, street address, etc.)
    Example: "Extra Data"

  - `transfers.exchangeRate` (number)
    The exchange rate you used to calculate the settlement amount for this transfer.

Required if settlementCurrency is set on the journal. You can set this value to be unique per transfer or the same for every transfer, depending on your settlement approach and agreements with Wise.
    Example: 0.875469

  - `refundedTransfers` (array)
    Array of transfers for which refunds have been processed. Only for Net Settlement.

  - `refundedTransfers.id` (integer, required)
    ID of the refunded transfer.
    Example: 178880

  - `refundedTransfers.exchangeRate` (number)
    The exchange rate used for this transfer. Should be the same value as the one used for the original transfer settlement.
    Example: 0.875469

  - `balanceTransfer` (number)
    The amount of money to be deducted from the expected settlement amount based on what is owed to you for previous days where the total settlement from you to Wise was negative.

This value must be 0 or negative.


## Response 200 fields