--- title: The Settlement Report description: This article will detail how to read and use the Settlement report* in the Back Office. --- [Skip to content](https://help.instant.co/the-settlement-report#main-content) [![Layer\_1](https://help.instant.co/hubfs/Layer_1.svg)](https://www.instant.co/) - [For Employers ✚](https://www.instant.co/employers/) Show submenu for For Employers ✚ - [Retail](https://www.instant.co/retail-payroll-solutions/) - [Hospitality](https://www.instant.co/hospitality-payroll-solutions/) - [Restaurant & QSR](https://www.instant.co/restaurant-payroll-solutions/) - [Transportation Logistics](https://www.instant.co/transport-logistics-payroll-solutions/) - [Staffing Agencies](https://www.instant.co/staffing-agencies-payroll-solutions/) - [Employees](https://www.instant.co/employees/) - Products ✚ Show submenu for Products ✚ - [Instant Pay](https://www.instant.co/pay/) - [Instant Card](https://www.instant.co/card/) - [Instant Tips](https://www.instant.co/tips/) - [Financial Wellness](https://www.instant.co/financial-wellness/) - Resources ✚ Show submenu for Resources ✚ - [Instant Videos](https://www.instant.co/videos/) - [Case Studies](https://www.instant.co/casestudies/) - [Whitepapers](https://www.instant.co/whitepapers/) - [Blog](https://www.instant.co/blog/) - [Podcast](https://www.instant.co/instant-payments-podcast/) - [About](https://www.instant.co/about) Open main navigation Close main navigation - [For Employers ✚](https://www.instant.co/employers/) Show submenu for For Employers ✚ - [Retail](https://www.instant.co/retail-payroll-solutions/) - [Hospitality](https://www.instant.co/hospitality-payroll-solutions/) - [Restaurant & QSR](https://www.instant.co/restaurant-payroll-solutions/) - [Transportation Logistics](https://www.instant.co/transport-logistics-payroll-solutions/) - [Staffing Agencies](https://www.instant.co/staffing-agencies-payroll-solutions/) - [Employees](https://www.instant.co/employees/) - Products ✚ Show submenu for Products ✚ - [Instant Pay](https://www.instant.co/pay/) - [Instant Card](https://www.instant.co/card/) - [Instant Tips](https://www.instant.co/tips/) - [Financial Wellness](https://www.instant.co/financial-wellness/) - Resources ✚ Show submenu for Resources ✚ - [Instant Videos](https://www.instant.co/videos/) - [Case Studies](https://www.instant.co/casestudies/) - [Whitepapers](https://www.instant.co/whitepapers/) - [Blog](https://www.instant.co/blog/) - [Podcast](https://www.instant.co/instant-payments-podcast/) - [About](https://www.instant.co/about) - [Support](https://www.instant.co/contact/) [Support](https://www.instant.co/contact/) Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Instant Financial Help Center](https://help.instant.co/?hsLang=en) 2. [Reporting](https://help.instant.co/reporting?hsLang=en) # The Settlement Report ## This article will detail how to read and use the Settlement report\* in the Back Office. This report is used to see transaction debit and credit totals from your Instant Float account by settlement date. Some clients use the Settlement report to balance their internal reporting when it comes to tips.  Essentially making sure the tips paid out in Instant match what was reported by their managers at the location. **Note:** The Settlement report data is reflected the day after a transaction is processed and only on bank business days. For transactions processed on the weekends or bank holidays they are settled the next business day.   *\*If you do not have access to view this Report in the Instant Back Office, it may be because of the admin role assigned to you. To request access, you can communicate with your organization's Instant Sponsor or Operations coordinator. If they agree that you should have access, they will be able to update your role.*    - [Card Holder](https://help.instant.co/card-holder?hsLang=en#main-content) - [My Card](https://help.instant.co/card-holder?hsLang=en#my-card) - [My Account](https://help.instant.co/card-holder?hsLang=en#my-account) - [Instant Pay](https://help.instant.co/card-holder?hsLang=en#instant-pay) - [Sending Money](https://help.instant.co/card-holder?hsLang=en#sending-money) - [Receiving Money](https://help.instant.co/card-holder?hsLang=en#receiving-money) - [My Account](https://help.instant.co/my-account?hsLang=en) - [Admins](https://help.instant.co/admins?hsLang=en#main-content) - [Managing Admins](https://help.instant.co/admins?hsLang=en#managing-admins) - [Payments](https://help.instant.co/admins?hsLang=en#payments) - [Back Office Access](https://help.instant.co/admins?hsLang=en#back-office-access) - [Funding/Accounting](https://help.instant.co/admins?hsLang=en#funding-accounting) - [People & Employees](https://help.instant.co/people-employees?hsLang=en) - [Reporting](https://help.instant.co/reporting?hsLang=en) - [Product Release Notes](https://help.instant.co/product-release-notes?hsLang=en) - [Back Office](https://help.instant.co/back-office?hsLang=en) - [For Employers ✚](https://www.instant.co/employers/) - [Retail](https://www.instant.co/retail-payroll-solutions/) - [Hospitality](https://www.instant.co/hospitality-payroll-solutions/) - [Restaurant & QSR](https://www.instant.co/restaurant-payroll-solutions/) - [Transportation Logistics](https://www.instant.co/transport-logistics-payroll-solutions/) - [Staffing Agencies](https://www.instant.co/staffing-agencies-payroll-solutions/) - [Employees](https://www.instant.co/employees/) - Products ✚ - [Instant Pay](https://www.instant.co/pay/) - [Instant Card](https://www.instant.co/card/) - [Instant Tips](https://www.instant.co/tips/) - [Financial Wellness](https://www.instant.co/financial-wellness/) - Resources ✚ - [Instant Videos](https://www.instant.co/videos/) - [Case Studies](https://www.instant.co/casestudies/) - [Whitepapers](https://www.instant.co/whitepapers/) - [Blog](https://www.instant.co/blog/) - [Podcast](https://www.instant.co/instant-payments-podcast/) - [About](https://www.instant.co/about) [![InstantMainLogo\_White](https://help.instant.co/hs-fs/hubfs/Logo%20Assets%202021/InstantMainLogo_White.png?width=350&height=131&name=InstantMainLogo_White.png "InstantMainLogo_White")](https://www.instant.co/) [![face](https://help.instant.co/hubfs/2026%20Icons/face.svg)](https://www.facebook.com/getinstant)[![lin](https://help.instant.co/hubfs/2026%20Icons/lin.svg)](https://www.linkedin.com/company/instant-financial)[![x](https://help.instant.co/hubfs/2026%20Icons/x.svg)](https://twitter.com/beinginstant)![inst](https://help.instant.co/hubfs/inst.svg)  | Copyright ©Instant Financial Inc 2026. 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