Daily balance file
Card balance file
This file provides the ending balance and status for each issued card at the end of each business day. This file supports account reconciliation, negative balance monitoring, and charge-off reporting. It also supports other Cross River operational and compliance oversight functions.
Daily balance files are only required for Cross River held funds and external ledger
File delivery and format
Refer here for file delivery and file format details.
Sample card balance file
The following file contains sample data. If you have any questions, please be in touch with your onboarding team.
Explanation of fields
Field | Data Type | Description | Required/Conditional |
|---|---|---|---|
unique_program_id | varchar(12) | Processors planning to have different programs should provide an identifier that we would map for settlement and reconciliation. | Required |
product_id | varchar(12 | If a given program has more than one type of card, the processor should include a product identifier, e.g., 1001 = Credit Card, 1002 = Commercial Prepaid, 1003 = Platinum, etc. | Required |
user_id | varchar(50) | Identifier given to each unique customer or cardholder | Required |
card_id | varchar(50) | Identifier given to each unique card issued to an account | Required |
card_status | varchar(20) | Card status at the prior day’s cut-off time | Required |
status_change_date | DATETIME (YYYY-MM-DD HH:MM:SS.sss) | Date and time of the most recent status change of the card | Required |
current_balance | decimal(18,4) | Card balance, excluding pending authorizations, at the prior day’s cut-off time | Required |
available_balance | decimal(18,4) | Card balance, including pending authorizations, at the prior day’s cut-off time | Required |
created_date | DATETIME (YYYY-MM-DD HH:MM:SS.sss) | Date and time when the card was first created | Required |
activation_date | DATETIME (YYYY-MM-DD HH:MM:SS.sss) | Date and time when the card was first activated | Conditional- blank if card is still in 'Issued' status. Required once card transitions to 'Active' |
last_transaction_date | DATETIME (YYYY-MM-DD HH:MM:SS.sss) | Date and time when the card last had a balance-affecting transaction | Conditional- blank if the card has not had a transaction |
negative_balance_date | DATETIME (YYYY-MM-DD HH:MM:SS.sss) | Date and time of the most recent time the card had a negative balance | Conditional - blank if the card has not had a negative balance |
closed_date | DATETIME (YYYY-MM-DD HH:MM:SS.sss) | Date and time when the card was permanently closed | Conditional - blank unless card is 'closed' |
charge_off_amount | decimal(18,4) | Balance of the card at the time of closing following a chargeoff | Conditional - blank if account not charged off. Populated only when delinquency_bucket = 'Charged-Off'. |
| | | |
Expected values for card status
Status | Explanation |
|---|---|
Issued | Card was issued but it yet to be activated |
Active | Card has been activated and is open to transact |
Suspended | Card temporarily suspended by cardholder or program manager |
Fraud Blocked | Card blocked by program manager due to fraud |
Closed | Card permanently closed (end state) |