{
  "schema_version": "1.1.0",
  "calculation_basis": "gross_settled_purchase_volume_and_net_processing_fees",
  "statement_period": { "start": "2026-06-01", "end": "2026-06-30" },
  "currency": "USD",
  "card_volume": 125000.00,
  "transaction_count": 1860,
  "gross_processing_fees": 2864.75,
  "statement_credits": 0.00,
  "total_processing_fees": 2864.75,
  "effective_rate": 0.022918,
  "average_ticket": 67.20,
  "pricing_model": "interchange_plus",
  "fee_groups": [
    { "category": "interchange", "amount": 1849.25, "notes": "Illustrative network interchange total." },
    { "category": "assessments", "amount": 171.50, "notes": "Illustrative network assessments." },
    { "category": "processor_markup", "amount": 575.00, "notes": "Illustrative percentage and per-item markup." },
    { "category": "authorization", "amount": 186.00, "notes": "Illustrative authorization fees." },
    { "category": "monthly", "amount": 49.00, "notes": "Illustrative account and statement fees." },
    { "category": "pci", "amount": 34.00, "notes": "Illustrative compliance-program fee." }
  ],
  "review_notes": [
    "All figures are synthetic and do not describe a real merchant.",
    "Fee groups reconcile to gross processing fees; processing-fee credits are reported separately."
  ]
}