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

# Settlement & reconciliation

> When collected cash becomes available funds, and how to match each settlement with your orders.

Settlement is the moment Broco credits the wholesaler's balance. It happens at final validation of the full deposit, once the deposit is reconciled with the collection.

## From collected to available

| Step | Wholesaler balance | Event |
| - | - | - |
| Collection confirmed | Unchanged. The carrier holds the cash. | `collection.collected` |
| Full deposit validated and reconciled | Credited with the net amount | |
| Marketplace notified | Already credited | `settlement.completed` |

The credit does not depend on your marketplace receiving the webhook. `settlement.completed` informs your marketplace of a credit that is already recorded.

## Settlement details

| Field | Example | Meaning |
| - | - | - |
| `settlement.gross_amount` | `5000000` | 50 000 DZD collected and deposited |
| `settlement.fee_amount` | `50000` | 500 DZD of fees, as an example |
| `settlement.net_amount` | `4950000` | 49 500 DZD credited to the wholesaler |
| `settlement.currency` | `DZD` | Currency of the three amounts |
| `settlement.settled_at` | `2026-10-12T17:05:12Z` | Time of the credit, equal to `deposit.validated_at` |

```json Response theme={null}
{
  "id": "col_3Fk9pQ2w",
  "object": "collection",
  "status": "settled",
  "amount": 5000000,
  "currency": "DZD",
  "order_reference": "ORD-58213",
  "beneficiary_connection": "conn_ben_7Lw2cR",
  "collected_at": "2026-10-12T10:24:00Z",
  "deposit": {
    "point": "pt_ALG_0142",
    "due_at": "2026-10-13T10:24:00Z",
    "overdue": false,
    "deposited_late": false,
    "amount_expected": 5000000,
    "amount_received": 5000000,
    "validated_at": "2026-10-12T17:05:12Z"
  },
  "settlement": {
    "gross_amount": 5000000,
    "fee_amount": 50000,
    "net_amount": 4950000,
    "currency": "DZD",
    "settled_at": "2026-10-12T17:05:12Z"
  },
  "created_at": "2026-10-12T08:30:00Z"
}
```

## Reconciling with your orders

* Match `order_reference`, `settlement.gross_amount` and `settlement.currency` with your order before you show it as settled.
* Record `settlement.completed` once per collection. A repeated event has the same `id` and never means a second credit.
* While a collection is `deposit_under_review`, show the gap to the wholesaler and do not show it as settled.

## In the wholesaler's history

The wholesaler sees each settlement in Broco with the order reference, the gross amount, the fees and the net amount.

## Next steps

<CardGroup cols={2}>
  <Card title="Collections API" href="/api-reference/collections">
    The collection object and its operations.
  </Card>

  <Card title="Events & webhooks" href="/developer/events-and-webhooks">
    `collection.collected` and `settlement.completed` in detail.
  </Card>
</CardGroup>


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