Transaction master file

overview this file captures all balance affecting transactions you or the processor post to the ledger each business day use it for transaction monitoring, fraud detection, and settlement file delivery and format refer here for file delivery docid\ i4b iqavcqfp9m1611twc and file format docid\ i4b iqavcqfp9m1611twc details sample transaction master file the following file contains sample data if you have any questions, please be in touch with your onboarding team explanation of fields each record must include the fields below, separated by commas please take note of the data type to avoid formatting or parsing issues this file covers several programs the tables below show how to populate the fields core fields mandatory docid\ pvjjrzxx5ut2km9q2lyt ach programs docid\ pvjjrzxx5ut2km9q2lyt prepaid/gpr programs docid\ pvjjrzxx5ut2km9q2lyt credit programs docid\ pvjjrzxx5ut2km9q2lyt commercial programs docid\ pvjjrzxx5ut2km9q2lyt core fields mandatory field data type description required/ conditional unique program id varchar(12) identifier provided by the processor to distinguish programs 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 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 first digits varchar(8) first 8 digits of the card number, also known as bin conditional last digits varchar(4) last 4 digits of the card number conditional transaction id varchar(50) unique identifier for each transaction required posted date datetime (yyyy mm dd hh\ mm\ ss sss) the date the transaction is posted to the customer account required settlement date datetime (yyyy mm dd hh\ mm\ ss sss) date and time when the transaction was settled for ach date funds were settled via fed conditional blank if not yet settled transaction type varchar(20) type of transaction performed required transaction status varchar(20) current status of the transaction required billing amt decimal(18,4) the amount of the transaction in the currency of the cardholder account required/ conditional settlement amt decimal(18,4) the amount of the transaction in the currency of settlement between issuer and acquirer conditional transaction amount decimal(18,4) amount of the transaction in settlement currency required transaction currency varchar(3) iso 4217 currency code for the transaction required billing currency varchar(3) iso 4217 standard currency code of the cardholder account, in this case, u s dollar conditional settlement currency varchar(3) iso 4217 standard currency code of settlement between issuer and acquirer – usually u s dollar conditional transaction country code varchar(3) country code at point of sale required/ conditional is cashback bool indicator that a purchase included a cashback component conditional cashback amt decimal(18,4) indicate cash amount from a purchase with cashback conditional transaction cdi varchar(1) transaction credit (c) or debit (d) indicator required network varchar(10) card network the transaction was processed on required is chargeback bool chargeback transaction indicator (true, false) conditional interchange decimal(18,4) interchange fee associated to this transaction required/ conditional description varchar(100) human readable transaction description required is ecommerce bool e commerce indicator (true, false) conditional is pin bool pin transaction indicator(true, false) required/ conditional is sig bool signature transaction indicator(true, false) required/ conditional merchant id varchar(50) merchant identifier from the card network conditional merchant category code varchar(4) code identifying category of the merchant, also known as mcc required merchant name nvarchar(100) merchant name as sent by the card network required merchant city varchar(50) merchant city as sent by the card network required merchant state varchar(20) merchant state as sent by the card network required merchant country nvarchar(100) merchant country as sent by the card network required is mobile bool whether a token requestor id was present, indicative of a mobile wallet transaction(true, false) conditional is contactless bool whether the card used contactless pos interface(true, false) conditional card present bool whether the card was physically present when conducting the transaction(true, false) conditional ach programs field data type description required/ conditional ach sec code varchar(3) standard nacha defined entry class code identifying the type of ach entry required ach direction varchar(10) direction of the ach entry relative to the cardholder's account required source trace varchar(20) ach trace number assigned by the external odfi to incoming ach transactions required originator routing code varchar(9) 9 digit aba routing number identifying the bank that initiated the ach transaction tells you which institution the payment came from required recipient routing code varchar(9) aba routing number of the receiving financial institution conditional originator name varchar(50) name of the ach originator (company or individual) required payee name varchar(50) name of the ach payee/receiver conditional ach return code varchar(4) reason code if the ach entry was returned conditional ach return date datetime date and time the ach return was received conditional ach batch number varchar(7) batch number within the ach file this entry belongs to required ach effective entry date date date the originator intended the entry to settle required odfi id varchar(9) routing number of the originating depository financial institution required prepaid/gpr programs field data type description required/ conditional load source varchar(30) source of the card load/funding required load amount decimal(18,4) amount loaded onto the card in this transaction conditional load channel varchar(20) channel through which the load was performed conditional fee type varchar(30) type of fee charged (if transaction is a fee) conditional fee amount decimal(18,4) fee amount charged conditional credit programs field data type description required/ conditional credit limit decimal(18,4) total credit limit on the account at time of transaction required interest charged decimal(18,4) interest amount charged in this cycle (if transaction is interest posting) conditional charge off amount decimal(18,4) balance at time of closing following a charge off conditional charge off date datetime date and time the account was charged off conditional is cash advance boolean whether this transaction is a cash advance required commercial programs field data type description required/ conditional pos entry type varchar(20) how the card was read on that specific swipe (chip, swipe, manual key, contactless, etc ) conditional blocked mcc violation boolean whether this transaction attempted a blocked mcc category required expense category varchar(30) each individual transaction gets categorized (travel, meals, office supplies, fuel, etc ) conditional receipt attached boolean whether a receipt/documentation was attached to this transaction conditional