Understanding the structure of a bank reconciliation report V3

The "Titre" (Title) record

The Title record provides information about the file characteristics for a better identification. It is populated as follows:

Pos. Description Values
01 Record code TITRE
02 Shop name
03 Delivery date and time in W3C format E.g : 2017-12-15T16:53Z
04 Version TABLE_V3

The "Entête" (Header) and "Details" records

Pos. "Entête" (Header) record "Details" record
Label Description Possible value Meaning
01 ENTETE Record code MATCHING  
02 MERCHANT_COUNTRY Merchant's country   Example: FR for France
03 MERCHANT_ID Merchant ID   Examples:

0+SIRET (Business Directory Identification System) in France.

0+CRN (Company Registration Number) in United-Kingdom

0+NIF (Numero de Identificación Fiscal) in Spain

04 CONTRACT Merchant ID number    
05 PAYMENT_DATE Date and time (UTC) of the payment.   W3C format in UTC time scale

E.g : 2017-12-15T12:17Z

06 TRANSACTION_ID Transaction identifier equivalent to vads_trans_id  
07 ORIGIN_AMOUNT Transaction amount in the original currency (expressed in the smallest currency unit)    
08 CURRENCY_CODE Code of the transaction currency  

See table vads_currency for more examples.

09 PAYMENT_METHOD Payment method    
10 ORDER_ID Order reference    
11 RETURN_CONTEXT Context of a buyer's purchase   One or several details (order_info, order_info2, order_info3, etc.) separated by the "|" character
12 CUSTOMER_ID Buyer ID    
13 OPERATION_TYPE Type of operation DT Debit
CT Credit
14 OPERATION_NUMBER Operation sequence number    
15 REMITTANCE_DATE Date and time (UTC) of the capture.   W3C format in UTC time scale

E.g : 017-12-15T23:05Z

16 BRUT_AMOUNT Gross amount of a captured transaction (expressed in the smallest currency unit)    
17 MATCH_STATUS Reconciliation status MATCH_OK

Reconciliation made

18 REMITTANCE_NB Capture number    
19 NET_AMOUNT Net amount (expressed in the smallest currency unit)   Specified only if the reconciliation is done automatically and the sued card is not a private card
20 COMMISSION_AMOUNT Commission fee amount (expressed in the smallest currency unit)  
21 COMMISSION_CURRENCY Commission currency  
22 INTERCHANGE Amount of interchange fees    
23 SCHEME_CHARGE_AMOUNT Amount of VISA / MASTERCARD network commission    
24 BANK_CHARGE_AMOUNT Amount of bank commission    
25 CARD_NATURE Card Nature
  • P
  • E
  • empty if non provided by acquirer
  • P : Consumer Card
  • E : Commercial Card
26 TRANSACTION_REGIONALITY Geographic zone of the payment
  • FRA
  • UE
  • HUE
  • empty if non provided by acquirer
  • FRA: Domestic
  • UE: Inside EEA
  • HUE: Outside EEA
27 CARD_HOLDER_COUNTRY_CODE Country code of the mean of payment
  • ISO 3166 alpha-3 code
  • empty if non provided by acquirer

Example: FRA for France

28 CARD_SCHEME Card Network
  • 1
  • 2
  • 3
  • 4
  • 9
  • empty if non provided by acquirer
  • 1 : CB
  • 2 : VISA
  • 3 : MCI
  • 4 : ECI
  • 9 : Undetermined (CB or VISA)
29 CARD_PRODUCT_CATEGORY Product card category
  • D
  • C
  • P
  • C : CREDIT
  • D : DEBIT
  • P : PREPAID
30 ACQ_INFOS Complementary info sent by acquirer CardCategory=XX XX can takes one of the following values:
  • HE: Card outside EEA
  • CO: Commercial card intra EEA
  • DT: Debit card intra EEA
  • CT: Credit card intra EEA
  • UV: Universal card intra EEA (CB only)
  • NR: Unregulated credit card intra EEA
31 TRANSACTION_UUID Unique ID of the transaction    
32 DATA_COMP_1 Unique ID of the initial transaction   UUID of the initial transaction in case of refund.
33 DATA_COMP_2 Date of the value   W3C format in UTC time scale

E.g : 2018-08-10T10:14Z

34 DATA_COMP_3 Technical identifier of the capture  
35 DATA_COMP_4 Token or UMR associated with the payment.    
36 DATA_COMP_5 Archiving reference    
37 DATA_COMP_6 First name + Name of the buyer or legal name.    
38 DATA_COMP_7 Funds transfer date in YYYYMMDDhhmmss format    
39 DATA_COMP_8 SEPA Creditor Identifier (ICS).    
40 DATA_COMP_9 Reserved for future use    
41 DATA_COMP_10 Reserved for future use    
42 DATA_COMP_11 Reserved for future use    
43 DATA_COMP_12 Reserved for future use    
44 DATA_COMP_13 Reserved for future use    
45 DATA_COMP_14 Reserved for future use    
46 DATA_COMP_15 Reserved for future use    
47 DATA_COMP_16 Reserved for future use    
48 DATA_COMP_17 Reserved for future use    
49 DATA_COMP_18 Reserved for future use    
50 DATA_COMP_19 Reserved for future use    
51 DATA_COMP_20 Reserved for future use    

The "Fin" (End) record

Pos. Description Values
01 Record code FIN

Example of a file

This extract from the bank reconciliation report (JRB) shows:

  • a line of the Title record,
  • a line of the Header record,
  • two lines from the Details record each beginning with MATCHING,
  • a Fin (End) record line that marks the end of the document.
TITRE;PayZen;2017-12-15T16:53Z;TABLE_V3;								
ENTETE;MERCHANT_COUNTRY;MERCHANT_ID;CONTRACT;PAYMENT_DATE;TRANSACTION_ID;ORIGIN_AMOUNT;
CURRENCY_CODE;PAYMENT_METHOD;ORDER_ID;RETURN_CONTEXT;CUSTOMER_ID;OPERATION_TYPE;
OPERATION_NUMBER;REMITTANCE_DATE;BRUT_AMOUNT;MATCH_STATUS;REMITTANCE_NB;
NET_AMOUNT;COMMISSION_AMOUNT;COMMISSION_CURRENCY;INTERCHANGE;CARD_PRODUCT_CATEGORY;
SCHEME_CHARGE_AMOUNT;BANK_CHARGE_AMOUNT;CARD_NATURE;TRANSACTION_REGIONALITY;
CARD_HOLDER_COUNTRY_CODE;CARD_SCHEME;ACQ_INFOS;TRANSACTION_UUID;DATA_COMP_1;
DATA_COMP_2;DATA_COMP_3;DATA_COMP_4;DATA_COMP_5;DATA_COMP_6;DATA_COMP_7;DATA_COMP_8;
DATA_COMP_9;DATA_COMP_10;DATA_COMP_11;DATA_COMP_12;DATA_COMP_13;DATA_COMP_14;DATA_COMP_15;
DATA_COMP_16;DATA_COMP_17;DATA_COMP_18;DATA_COMP_19;DATA_COMP_20				
MATCHING;FR;045251785700028;3668754;2017-12-15T12:17Z;929644;5490;978;CB;C-100030479;;;DT;;
2017-12-15T23:05Z;5490;MATCH_OK;000132;5436;54;978;1.02;D;1.123;3.45;E;UE;250;1;CardCategory=UV;
cf7b10f898e94fd1aaaaa7a62f965817;;;;;;;;;;;;;;;;;;;;			
MATCHING;FR;045251785700028;4567654;2017-12-15T23:45Z;936518;20000;978;CB;C-100030502;;;DT;;
2017-12-15T23:05Z;20000;MATCH_OK;267501;19800;200;978;1.08;1.123;3.45;E;UE;;1;D;;
6fb0944bec7c4b76b9227e488ee317be;;;;;;;;;;;;;;;;;;;;				
FIN;