{
  "merchant_name": "Example Harbor Repair - synthetic",
  "merchant_reference": "DEMO-MERCHANT-0042",
  "period_start": "2026-09-01",
  "period_end": "2026-09-30",
  "gross_sales": 1250,
  "refunds": 0,
  "processing_fees": 0,
  "net_settlements": 1250,
  "settlements": [
    {
      "settlement_date": "2026-09-30",
      "reference": "Example reference - synthetic",
      "gross_sales": 1250,
      "refunds": 0,
      "fees": 0,
      "net_settlement": 1250
    }
  ]
}