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Financial Operations · MIS & Reports

The payment numbers your management review needs — exported or scheduled.

Turn every transaction, settlement and refund into reports you can export, schedule or pull through the API, so month-end and MIS reporting start from the same records as your payments.

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Export or schedule
By method, status and period
Settlements and refunds
Reports API

A transaction report for one month

$report = $client->reports->transactions([
    'from'   => '2026-08-01',
    'to'     => '2026-08-31',
    'format' => 'csv',
]);

echo $report->download_url;

curl https://api.paynancial.com/v1/reports/transactions \
  -u YOUR_API_KEY: \
  -d from=2026-08-01 \
  -d to=2026-08-31 \
  -d format=csv

Overview

What mis & reports mean on Paynancial.

MIS & Reports is the reporting side of Paynancial Payment Analytics: transaction reports broken down by payment method, status and period, with settlements and refunds alongside, that you can export, have delivered on a schedule, or generate for a date range through the Reports API — for example as a CSV file.

MIS — management information system — reporting is how owners, finance leads and boards get a regular, trusted view of the numbers. For payments, the questions are always the same: how much came in, through which methods, what has settled, what was refunded and what is still pending.

On Paynancial, MIS & Reports is part of Payment Analytics. The reports are built from the same records as your payments, settlements and refunds, so the figures in a management pack match the figures behind every transaction — no retyping from a bank statement.

How it works

Step by step.

01
Recorded as it happens
Every transaction, settlement and refund is recorded when it occurs.
02
Choose the view
Filter by payment method, status and date to get the cut your report needs.
03
Export
Download the report in a format your finance team already works with.
04
Schedule
Have recurring reports delivered without anyone remembering to run them.
05
Automate
Generate a transaction report for any date range with the Reports API.

Capabilities

What you can do.

Transaction reports: Every transaction for a period, with its method, status and amount.
Breakdown by method: See cards, UPI, netbanking and wallets side by side.
Settlement reporting: What has settled, what is pending and when it is due.
Refund reporting: Each refund from request through to completion.
Exports and schedules: Download on demand or receive reports on a schedule.
Reports API: <code>/reports/transactions</code> with a date range and format, returning a download link.

Where it lives

Across the Paynancial platform.

MIS & Reports is not a separate system — it runs through the products and tools you already use.

MIS & Reports across Paynancial
Where	What you get
Payment Analytics	Dashboards, filters, exports and scheduled reports. See Payment Analytics.
Reports API	Transaction reports for a date range, for example as CSV. See the API Reference.
Webhooks	Settlement, payment, payout and refund events to keep your own MIS up to date. See Webhooks.
Reconciliation	Match before you report. See Reconciliation.

In India

Reporting for businesses in India.

UPI next to cards: For many businesses in India, UPI is a major payment method. Seeing UPI, cards, netbanking and wallets side by side shows which methods your revenue depends on.
Rupees and paise: The API works in the smallest currency unit — paise for INR — as in the published examples, so report totals line up with individual transactions.
Hand-off to your CA: Export a period's transactions for your accountant or CA to work from, instead of copying figures out of a bank statement.
Month-end close: Pull the same date range every month, reconcile it against settlements, and your MIS pack starts from matched numbers.

Compliance in India

The RBI and NPCI rules around mis & reports in India.

A plain-language guide to the frameworks that apply. It is general information, not legal advice, and not a statement of Paynancial's own licences or authorisations.

Act of Parliament

Digital Personal Data Protection Act, 2023

India's law on processing digital personal data — including the personal data in payment records — based on consent, purpose limitation and security safeguards.

RBI

Payment Aggregator and Payment Gateway guidelines

RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling. Payment gateways are treated as technology providers.

RBI

Turn Around Time (TAT) for failed transactions

Sets the time within which failed digital transactions — for example, a customer debited without the merchant being credited — must be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and the compensation due to the customer when that time is missed.

Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.

Good practice

Getting it right.

01
Use fixed date boundaries
Report the same calendar period every time, so month-on-month comparisons are like for like.
02
Reconcile before you report
Match payments to settlements and refunds first; report on reconciled figures.
03
Automate the routine pull
Schedule the recurring report or call the Reports API, and keep people for the analysis.

FAQ

MIS & Reports questions.

What is MIS reporting for payments?

MIS (management information system) reporting gives owners and finance leads a regular view of the numbers. For payments that means how much came in, through which methods, what has settled, what was refunded and what is still pending.

What reports does Paynancial provide?

Payment Analytics provides transaction reports by payment method, status and period, with settlement and refund data alongside. Reports can be exported, delivered on a schedule, or generated for a date range through the Reports API.

Can I get a report through the API?

Yes. The Reports API generates a transaction report for a date range — the published example requests a CSV file — and returns a link to download it.

Can my CA use Paynancial reports?

You can export a period's transactions for your accountant or CA to work from, instead of copying figures from a bank statement.

Talk to us about mis & reports.

Tell us how your business takes and moves money, and we will show you how it fits.

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