In this article, you will learn how Candis credit card statements are structured, how the billing period differs from the payment frequency, and how statement payments via SEPA direct debit work.
Overview: What is a credit card statement?
The credit card statement summarizes all card transactions made by card users of a company using their Candis credit cards.
All cards issued to a company:
run under the same credit limit
are settled via one shared card account
appear together in a single monthly statement
You therefore do not receive separate statements per card, but one consolidated statement for the entire company.
Even if many cards are in use, you do not need to reconcile each card individually against the credit limit. The card account centrally bundles all transactions.
Accessing and downloading monthly statements
Candis creates one monthly statement per company.
How to access a statement:
Open the Credit Cards section.
Switch to the Statements tab.
Select the desired year.
Click on a month, for example January 2026.
You will then see:
Opening balance
Total transactions
Total payments
Closing balance
An overview of the related statement payments
Once a month is closed, you can download the statement as a PDF or CSV file.
The PDF includes all transactions with posting date, transaction date, merchant, card user, card type, and balance progression.
Example: In the statement for 01/01/2026–01/31/2026, you can see the opening balance, each individual card transaction, and the closing balance at the end of the month.
Billing period vs. payment frequency
Many users confuse these two terms. However, they do not mean the same thing.
Billing period
The billing period is always monthly.
Example: 01/01/2026 – 01/31/2026.
You receive a separate PDF statement for each month.
Payment frequency of the statement payment
The payment frequency determines how often the outstanding balance is settled.
Currently, the following payment intervals are available:
Monthly
Biweekly
Weekly
This means:
Even though the statement is created monthly, repayment of outstanding amounts can take place multiple times within the same month.
A higher payment frequency allows you to use your credit limit multiple times per month, as the available spending capacity increases again with each earlier settlement.
Statement payments via SEPA direct debit
Outstanding statement amounts are usually settled via SEPA direct debit.
How the direct debit works:
You provide a SEPA CORE mandate with our partner Pliant.
Candis notifies you by email at least two banking days before the debit is collected.
The email includes a CSV file listing all transactions covered by that statement payment.
The amount is debited from the stored settlement account.
At least one person in your company needs access to Pliant in order to grant the SEPA mandate or change the settlement account.
Changing the settlement account
You also manage the settlement account via Pliant.
If you want to change the account:
Log in to the Pliant portal.
Update the stored bank details for the card account.
Note: Make sure the new account has sufficient funds before the next statement payment is collected.