---
title: Reconciliation
slug: concepts/cards/integrated-issuing/advanced-authorization/reconciliation
description: Ensure timely daily updates and reconciliations between partners and Cross River for accurate account balances, using provided files to align transactions effectively.
docTags: 
createdAt: 2025-08-28T09:59:50.203Z
---

## Reconciliation intro

At the end of each day, the partner is responsible for updating Cross River on any external activity that needs to be posted to the customer’s account, and for ensuring that all Cross River account balances match the partner's ledger.  This update takes place through reconciliation. The table below describes each step of this process.

| Reconciliation step           | Description                                                                                                                                                                                                                                                                                      | Detail                                                                                                                     |
| ----------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------- |
| Daily activity reconciliation | Cross River generates a reconcliation file and supplies it to the partner to be used for reconciliation.  The contents will ensure that all messages were received and all transactions were posted correctly.                                                                                   | [Comma-separated (.csv) file](docId:01dCqwxq22LUp2Dl3HP1_) that will include every transaction message received that day.  |
| Daily account balance sync    | After reconciling the daily operations, the partner will post net balance updates to any Cross River accounts that had any activity on that day to ensure the balances match the partner's ledger.<br />If an account has not had any external activity, it is not necessary to post any update. | [POST core/v1/transactions](docId\:n4nww9wNTwf93qt_vdLvh) <br />Use this API to move funds between Cross River accounts.   |

## Cut-off time

Cross River requires partners to post net external activity into Cross River accounts and ensure that all accounts have been updated before midnight U.S. Eastern Time (ET).
&#x20;

The transaction cut-off time is 8:00 pm ET, to allow enough time for the end-of-day synchronization process to conclude before midnight. Any external activity that takes place between 8:00 pm and 11:59 pm ET should be posted the following day.

## Reconciliation file record&#x20;

Cross River provides a daily transaction detail file for the purposes of partner reconciliation. This comma-separated (.CSV) file will have all the transaction messages for a given day of operation, including those that were sent to the partner via the authorization stream and any others that may have been posted by the card networks after close of operation.

### Format

:::BlockQuote

MessageTypeIdentifier: \[“AuthorizationRequest”,”AuthorizationAdvice”, “AuthorizationIncremental”, “FinancialAdvice”, “FinancialRequest”, “AuthorizationReversal”, “ClearingReversal”, “Fee”]
Id: Guid
RelatedTransactionId: Guid of Related Transaction Id
Amount: number in cents
TransactionType: \[“Debit”,”Credit”, "BalanceInquiry"]
CardId: Guid for COS Card
AccountNumber: string, nullable
CardAcceptorIdentificationCode: string
MerchantNameLocation: string
MerchantCategoryCode: string
DeviceType: string
IsMultiClearing: bool
IsFinalMultiClearing: bool
IsChargeback: bool
Response: \[“Approve”, “Deny”].
Reason: \[“Approve”, “AccountRestricted”, “InsufficientFunds”, “InactiveCard”, “SuspectedFraud”, “DuplicateTransmission”,"TimeOut", "SystemError"].

LastModifiedAt: MMddyyyy HH\:mm\:ss
:::

### Sample CSV header

:::BlockQuote
`MessageTypeIdentifier,Id,RelatedTransactionId,Amount,TransactionType,CardId,AccountNumber,CardAcceptorIdentificationCode,MerchantNameLocation,MerchantCategoryCode,DeviceType,IsMultiClearing,IsFinalMultiClearing,isChargeback,Response,Reason,LastModifiedAt`
:::

### Sample CSV record

:::BlockQuote
`AuthorizationRequest, dcaa6541-657f-4c59-abbb-b163005b6d8d, fd09a580-bf59-4d0f-a0c2-b2100027a6df,300,Debit,dbd4f4eb-1975-4119-bb44-b1d80110ddef,2429153915,111111111111111,USPS PO 54137206 224 2ND CHENEY WAUSA,1111,POS terminal,FALSE,FALSE,FALSE,Approve,Approve,10202024 22:24:31`
:::