What is the correct way to create a CSV import?

[heyitsmi]

I have a CSV file with a format like the image above or like the following file.csv that I want to import. I have created a code like this with custom settings, but when I import, I cannot get data on row 1 and row 2.

PaymentsImport.php

<?php

namespace App\Imports;

use Maatwebsite\Excel\Row;
use Illuminate\Support\Facades\Log;
use Maatwebsite\Excel\Concerns\OnEachRow;
use Maatwebsite\Excel\Concerns\WithStartRow;
use Maatwebsite\Excel\Concerns\WithBatchInserts;
use Maatwebsite\Excel\Concerns\WithCustomCsvSettings;

class PaymentsImport implements OnEachRow, WithStartRow, WithBatchInserts, WithCustomCsvSettings
{
    private $bank_code;
    private $batch_code;

    public function  __construct($bank_code, $batch_code)
    {
        $this->bank_code = $bank_code ;
        $this->batch_code = $batch_code;
    }
    /**
    * @param array $row
    *
    * @return \Illuminate\Database\Eloquent\Model|null
    */
    public function onRow(Row $row)
    {
        $row = $row->toArray();

        if (empty($row[0])) {
            return null;
        }

        Log::info('Processing row: ' . json_encode($row));
        Log::info('Row 0: ' . $row[0]);
        Log::info('Row 1: ' . $row[1]);
        Log::info('Row 2: ' . $row[2]);
    }

    public function startRow(): int
    {
        return 10;
    }

    public function batchSize(): int
    {
        return 500;
    }

    public function getCsvSettings(): array
    {
        return [
            'input_encoding' => 'UTF-8',
            'delimiter' => ',',
            'enclosure' => '"',
        ];
    }
}

Log:

[2024-08-01 13:25:00] local.INFO: Processing row: ["1\/6\/24,1\/6\/24,\"BRIVA188810205001WBNKDylan Kim\",6669\/005,0.00,300000.00,15761359997.89,0888122   ",null,null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: 1/6/24,1/6/24,"BRIVA188810205001WBNKDylan Kim",6669/005,0.00,300000.00,15761359997.89,0888122     
[2024-08-01 13:25:00] local.INFO: Row 1:   
[2024-08-01 13:25:00] local.INFO: Row 2:   
[2024-08-01 13:25:00] local.INFO: Processing row: ["1\/6\/24,1\/6\/24,\"BRIVA188810222001NBMBMOHAMAD AHSAN\",6669\/005,0.00,6708334.00,15768068331.89,8888364   ",null,null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: 1/6/24,1/6/24,"BRIVA188810222001NBMBMOHAMAD AHSAN",6669/005,0.00,6708334.00,15768068331.89,8888364     
[2024-08-01 13:25:00] local.INFO: Row 1:   
[2024-08-01 13:25:00] local.INFO: Row 2:   
[2024-08-01 13:25:00] local.INFO: Processing row: ["1\/6\/24,1\/6\/24,\"BRIVA188810210000NBMBLukman Sardi\",6660\/005,0.00,1000000.00,15769068331.89,8888428   ",null,null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: 1/6/24,1/6/24,"BRIVA188810210000NBMBLukman Sardi",6660/005,0.00,1000000.00,15769068331.89,8888428     
[2024-08-01 13:25:00] local.INFO: Row 1:   
[2024-08-01 13:25:00] local.INFO: Row 2:   
[2024-08-01 13:25:00] local.INFO: Processing row: ["1\/6\/24,1\/6\/24,\"PAYMENT Remark1# : BRIVA188810211001BRLKNUNGTI Remark2# : TO VA18881021100BRLKNUNGTI Teller ID : 0852\",8522\/001,0.00,350000.00,15769418331.89,0852505   ",null,null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: 1/6/24,1/6/24,"PAYMENT Remark1# : BRIVA188810211001BRLKNUNGTI Remark2# : TO VA18881021100BRLKNUNGTI Teller ID : 0852",8522/001,0.00,350000.00,15769418331.89,0852505     
[2024-08-01 13:25:00] local.INFO: Row 1:   
[2024-08-01 13:25:00] local.INFO: Row 2:   
[2024-08-01 13:25:00] local.INFO: Processing row: ["1\/6\/24,1\/6\/24,\"BRIVA1888102090NBMBMutamaqin Yasin\",6669\/005,0.00,2000000.00,15771418331.89,8888126   ",null,null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: 1/6/24,1/6/24,"BRIVA1888102090NBMBMutamaqin Yasin",6669/005,0.00,2000000.00,15771418331.89,8888126     
[2024-08-01 13:25:00] local.INFO: Row 1:   
[2024-08-01 13:25:00] local.INFO: Row 2:   
[2024-08-01 13:25:00] local.INFO: Processing row: ["Begining Balance:","15761059997.89",null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: Begining Balance:  
[2024-08-01 13:25:00] local.INFO: Row 1: 15761059997.89  
[2024-08-01 13:25:00] local.INFO: Row 2:   
[2024-08-01 13:25:00] local.INFO: Processing row: ["Total Debit:","5546123813",null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: Total Debit:  
[2024-08-01 13:25:00] local.INFO: Row 1: 5546123813  
[2024-08-01 13:25:00] local.INFO: Row 2:   
[2024-08-01 13:25:00] local.INFO: Processing row: ["Total Credit:","6767028844.9",null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: Total Credit:  
[2024-08-01 13:25:00] local.INFO: Row 1: 6767028844.9  
[2024-08-01 13:25:00] local.INFO: Row 2:   
[2024-08-01 13:25:00] local.INFO: Processing row: ["Last Balance:","16981965029.79",null,null,null,null,null,null]  
[2024-08-01 13:25:00] local.INFO: Row 0: Last Balance:  
[2024-08-01 13:25:00] local.INFO: Row 1: 16981965029.79  
[2024-08-01 13:25:00] local.INFO: Row 2:   

Here is the log recorded when I run my code. As you can see, I cannot get row 1 and row 2, where I should get to do data for the Eff Date and Trans Description columns.

What is the correct way to get data from the other rows?