Settlement File (Bank Mark-Off File)
This refers to the file interface specifications from an Acquiring System to Online Payments. The data is recorded in the Online Payments Application for the purpose of reconciling CNP and MasterPass transactions.
On a daily basis, the acquiring system sends a record of all transactions received (excluding online declines), at a detail level, and processed by their batch processing system. The acquirer mark-off files we receive from acquirers with these transactions are only for successful transactions.
If a merchant requests a mark-off file from Ecentric (for the purpose of e.g. reconciliation), Ecentric would be able to provide the merchant with a mark-off file which includes their transactions of the day.
Description
The file mark-off service provides the merchants with their very own mark-off file of all CNP and MasterPass transactions, which the merchant is able to access through SFTP with the aid of a public key. CNP and/or MasterPass transactions will be present in the mark-off file dependent on the merchant being configured for these payment methods. CNP and MasterPass transactions will be in separate mark-off files.
Method of Integration
The merchant has the option of accessing the mark-off file via SFTP (Secure File Transfer Protocol). From Ecentric’s side, a file will be set up for the merchant and by means of a public key, the merchant will be able to access their mark-off file. Please refer to the SFTP Account Setup section for more information.
File Structure
A file may contain only 1 batch.
Each batch includes:
- A header record
- Many detail records
- A trailer record
Records are defined as detailed level transactions.
File Name
The file name must contain the date of the file, to ensure uniqueness, and to avoid overwriting existing files.
File Level Rules
A file contains all mark-off entries at the time of processing, across bank (acquirer) purchase/refund transactions.
The total records in the trailer must equal the total count of all detail records in the file.
The amount in the trailer must be the sum of the transaction amount on all detail records.
Record Formatting
The file data is encoded using standard ASCII character set.
Record Delimiters: Each record in the file is delimited by the carriage return line feed, ASCII characters: 0D0A (<CR><LF>).
Field Delimiters: This is a positional formatted file.
Padding: Field’s may be left padded with zero.
|
Header Row |
||
|
Field Name |
FieldLength |
Data Type |
|
recordType |
Constant |
Constant "H" |
|
Date |
Numeric |
Numeric |
|
fileNumber |
Any |
Any |
|
Details Records |
||
|
Field Name |
Field Length |
Data Type |
|
RecordType |
1 Fixed Character : “D” |
Constant |
|
MerchantNumber |
12 Characters |
Numeric |
|
PAN |
23 Characters |
AlphaNumeric |
|
TranType |
2 Characters |
Alpha |
|
rejectReason Code |
3 Characters |
Any |
|
TransactionDate |
6 Characters |
Numeric |
|
TransactionTime |
6 Characters |
Numeric |
|
SettlementDate |
6 Characters |
Numeric |
|
TransactionAmount |
13 Characters |
Numeric |
|
Cashback |
13 Characters |
Numeric |
|
Transaction Auth Code |
10 Characters |
Any |
|
Card Type |
2 Characters |
Any |
|
POS Entry Mode |
3 Characters |
Any |
|
cashierNumber |
6 Characters |
Numeric |
|
RRN |
12 Characters |
AlphaNumeric |
|
STAN |
6 Characters |
Any |
|
GUID |
36 Characters |
Any |
|
terminalID |
8 Characters |
Any |
|
StatementBatchID |
6 Characters |
Numeric |
|
Trailer Row |
||
|
Field Name |
Field Length |
Data Type |
|
recordType |
Constant |
Constant "H" |
|
totalRecords |
Numeric |
Numeric |
|
totalTransactionAmount |
Numeric |
Any |
Updated 8 days ago