---
title: "Create a test-mode settlement"
method: POST
path: "/v1/test_helpers/issuing/settlements"
---

# Create a test-mode settlement

`POST /v1/test_helpers/issuing/settlements`

Allows the user to create an Issuing settlement.

## Response `200`

Successful response.

- IssuingSettlement — When a non-stripe BIN is used, any use of an [issued card](https://docs.stripe.com/issuing) must be settled directly with the card network. The net amount owed is represented by an Issuing `Settlement` object.
  - `bin` string, required — The Bank Identification Number reflecting this settlement record.
  - `clearing_date` integer, required — The date that the transactions are cleared and posted to user's accounts.
  - `created` integer, required — Time at which the object was created. Measured in seconds since the Unix epoch.
  - `currency` string, currency, required — Three-letter [ISO currency code](https://www.iso.org/iso-4217-currency-codes.html), in lowercase. Must be a [supported currency](https://stripe.com/docs/currencies).
  - `id` string, required — Unique identifier for the object.
  - `interchange_fees_amount` integer, required — The total interchange received as reimbursement for the transactions.
  - `livemode` boolean, required — If the object exists in live mode, the value is `true`. If the object exists in test mode, the value is `false`.
  - `metadata` object, required — Set of [key-value pairs](https://docs.stripe.com/api/metadata) that you can attach to an object. This can be useful for storing additional information about the object in a structured format.
  - `net_total_amount` integer, required — The total net amount required to settle with the network.
  - `network` 'maestro' | 'mastercard' | 'visa', required — The card network for this settlement report. One of ["visa", "maestro", "mastercard"]
  - `network_fees_amount` integer, required — The total amount of fees owed to the network.
  - `network_settlement_identifier` string, required — The Settlement Identification Number assigned by the network.
  - `object` 'issuing.settlement', required — String representing the object's type. Objects of the same type share the same value.
  - `settlement_service` string, required — One of `international` or `uk_national_net`.
  - `status` 'complete' | 'pending', required — The current processing status of this settlement.
  - `transaction_amount` integer, required — The total transaction amount reflected in this settlement.
  - `transaction_count` integer, required — The total number of transactions reflected in this settlement.

## Other responses

- `default` — Error response.

## Changes

> 51 revisions in range; 14 not diffed, 14 could not be searched.

- **2025-11-05** `62e8dc4ed869` — 1 info
  - added the optional property `error/payment_intent/payment_method_options/anyOf[subschema #1: PaymentIntentPaymentMethodOptions]/card_present/anyOf[subschema #1: payment_method_options_card_present]/capture_method` to the response with the `default` status
- **2025-10-22** `1e483c60b480` — 1 info
  - added the optional property `error/payment_intent/amount_details/anyOf[subschema #1: PaymentFlowsAmountDetails]/line_items/data/items/payment_method_options/anyOf[subschema #1: PaymentFlowsAmountDetailsResourceLineItemsListResourceLineItemResourcePaymentMethodOptions]/klarna/subscription_reference` to the response with the `default` status
- **2025-08-19** `7b79777e9bbd` — 2 info
  - added the optional property `error/payment_intent/latest_charge/anyOf[subschema #2: Charge]/payment_method_details/anyOf[subschema #1: payment_method_details]/paynow/location` to the response with the `default` status
  - added the optional property `error/payment_intent/latest_charge/anyOf[subschema #2: Charge]/payment_method_details/anyOf[subschema #1: payment_method_details]/paynow/reader` to the response with the `default` status
- …earlier changes not shown

[Full history](https://skmtc.dev/stripe/apis/spec3/changes/v1/test_helpers/issuing/settlements/post.md)

---

[API](https://skmtc.dev/stripe/apis/spec3.md) · [All operations](https://skmtc.dev/stripe/apis/spec3/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/stripe/spec3/revisions/f0e0fc8fffbf/schema)