> ## Documentation Index
> Fetch the complete documentation index at: https://docs.filexpress.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Card Settlements

> Record the bank deposit for card sales, with its commission, VAT (IVA) and 2% withholding

> [!NOTE]
>
> Available only for businesses in **El Salvador**: the settlement corresponds to the *Documento Contable de Liquidación* (settlement accounting document, DTE 09) issued by the payment processor.

Sales collected by card are not deposited in full: the processor deducts the **commission**, the **VAT on the commission** and the **2% VAT withholding** on the commissionable amount. The settlement records that transaction and generates its accounting entry.

## Record a settlement

**1. Go to Banks → select the account → Card Settlements → New**

**2. Load the bank document (optional)**

With **Load bank JSON**, dates, amounts, generation code and control number are filled in from the JSON file provided by the processor. The **reception stamp** is not in the JSON: copy it from the PDF.

**3. Review the amounts**

| Field | Description |
| - | - |
| **Total Sales** | Amount transacted in the period. |
| **Commission** and **% Commission** | Processor commission (the percentage is calculated). |
| **Commission Tax** | VAT on the commission. |
| **Commissionable amount** and **2% VAT Withholding** | Base and VAT withholding that the processor deducts. |
| **Generation code**, **Control number**, **Reception stamp** | Document identification; the code cannot be repeated in the branch. |
| **Payment to merchant** | What the bank deposits: Sales − Commission − VAT on commission − 2% Withholding. |

**4. Save**

## Accounting entry

Card sales were posted against the **Card payments** account; upon settlement it is cleared with the net deposit and the deductions:

| | Account | Amount |
| - | - | - |
| Debit | Bank | Payment to merchant |
| Debit | Card settlement commission | Commission |
| Debit | VAT tax credit (purchases) | VAT on commission |
| Debit | 2% VAT withheld | Withholding |
| Credit | Card payments | Total sales |

It is created in **DRAFT**. The accounts are configured in [Accounting Settings](https://docs.filexpress.app/en/docs/contabilidad/configuracion.md): *Card payments* (Sales), *Commission account* and *2% VAT withheld* (Card Settlements, El Salvador only) and *VAT tax credit* (Purchases). If any is missing, the system tells you which one before creating the entry.


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