Reports
Card payments daily reports

Daily settlement (detailed)

4min

Daily pre-settlement reports help you match payments with the batches of transactions they relate to.

The detailed daily settlement report provides a breakdown of all the individual transactions occurring during a date range that you specify.

You receive this report using the Secure File Transfer Protocol (SFTP). SFTP lets you receive and send information securely.

This report is generated automatically, and pushed to your assigned subfolder on the secure server, where you access it.

IMPORTANT SFTP must be set up before you create a report request with Cross River’s Data Team. This allows the reporting team to automate the delivery of Settlement and Reconciliation reports to the appropriate folders.

Contact [email protected] if you have any issues accessing your reports.

Report distribution

Recipients include user-partners only.

Report structure

Detailed daily settlement reports have 2 structures: basic and expanded.

The basic report filename uses this convention: PartnerName_CRB_Settlement_Details_YYYY_MM_DD

The expanded report filename uses this convention: PartnerName_CRB_Settlement_ExpandedDetails_YYYY_MM_DD

Basic report structure

This table presents the basic report structure.

No.

Field

Default

Description

1

TransactionRequestId

ID of the automatically created transaction associated with this settlement day

2

Network

Card network the transaction was processed through

3

ResponseCode

Card networks return response codes to approve or decline a transaction. They follow the standards set by the International Organization for Standardization (ISO) 8583:1987, which defines a specific message format so that different systems can communicate. Every network can adapt the standard for their own use

4

ResponseDescription

Card networks return response codes to approve or decline a transaction. They follow the standards set by the International Organization for Standardization (ISO) 8583:1987, which defines a specific message format so that different systems can communicate. Every network can adapt the standard for their own use

5

TransactionRequestedAt

Time at which the transaction was requested by the partner. Dates in UTC.

6

ActualTransactionAt

Time at which the transaction was processed by the network. Dates in UTC.

7

CreditCardId

Token for the signed-up card. The partner gets this upon the first card sign-up, per each cardholder.

8

Retrieval Reference Number

The transaction identifier vs. all parties, including the card networks. With the RRN, the partner can reach out directly to the network to get more info about the transaction.

9

TraceNumber

CRB reference number: it is a unique number created in card transactions.

10

StatementDescriptor

An arbitrary string attached to the transaction. Often useful for displaying to users.

11

Destination

For Purchases:

  • AFT: Settlement For Disbursements
  • OCT: Network

12

Transaction Amount

Transaction Amount. Passed in to Create Transactions APIs:

  • Push transactions (-) debit the account
  • Pull transactions (+) credit the account

13

InterchangeFee

The fee paid to the issuer for each payment made with the card network.

Every time a transaction is made via a card network (for example, Visa or Mastercard), the acquirer pays the cardholder’s bank an interchange fee. The merchants then pays the interchange fee back to the acquirer.

14

InterchangeFeeIndicator

D - Debit

C - Credit

15

InterchangeCategoryDescriptor

Interchange fee rate description (defined by the card networks)

16

EstimatedNetworkFee

The fee paid to the card scheme for using their network. The fee is an accumulation of a set of charges based on the specific ac

17

NetworkFeeCode

Visa network fees

18

IntegrityNetworkFee



The Transaction Integrity Fee (TIF) is assessed on debit and prepaid card transactions that do not qualify for Custom Payment Service (CPS).

The most common transaction to incur the transaction integrity fee will be keyed in debit card transactions that are processed without address verification information (AVS).

19

SettlementDate

CRB settlement date

20

CutoffDate

The network cutoff date, according to each network

21

TransactionType

  • Pull - transfers funds from a funding account
  • Push - transfers funds to a receiving account
  • Reversal
  • Dispute

Expanded report structure

This table presents the expanded report structure.

No.

Field

Default

Description

1

TransactionRequestId

ID of the automatically created transaction associated with this settlement day

2

Network

Card network the transaction was processed through

3

ResponseCode

Card networks return response codes to approve or decline a transaction. They follow the standards set by the International Organization for Standardization (ISO) 8583:1987, which defines a specific message format so that different systems can communicate. Every network can adapt the standard for their own use

4

ResponseDescription

Card networks return response codes to approve or decline a transaction. They follow the standards set by the International Organization for Standardization (ISO) 8583:1987, which defines a specific message format so that different systems can communicate. Every network can adapt the standard for their own use

5

TransactionRequestedAt

Time at which the transaction was requested by the partner. Dates in UTC.

6

ActualTransactionAt

Time at which the transaction was processed by the network. Dates in UTC.

7

CreditCardId

Token for the signed-up card. The partner gets this upon the first card sign-up, per each cardholder.

8

RetrievalReferenceNumber

The transaction identifier vs. all parties, including the card networks. With the RRN, the partner can reach out directly to the network to get more info about the transaction.

9

TraceNumber

CRB reference number: it is a unique number created in card transactions.

10

StatementDescriptor

An arbitrary string attached to the transaction. Often useful for displaying to users.

11

TransactionType

  1. Pull - Transaction to transfer funds from a funding account
  2. Push - Payment transaction to transfer funds to a receiving account
  3. Reversal
  4. Dispute

12

Destination



13

Transaction Amount

Transaction Amount. Passed in to Create Transactions APIs:

  • Push transactions (-) debit the account
  • Pull transactions (+) credit the account

14

TransactionCurrency

The beneficiary currency

15

InterchangeFee

The fee paid to the issuer for each payment made with the card network.

Every time a transaction is made via a card network (for example Visa orMastercard), the acquirer pays the cardholder’s bank an interchange fee. The merchants then pays the interchange fee back to the acquirer.

16

InterchangeFeeIndicator

D - debit

C - credit

17

InterchangeCategoryDescriptor

Interchange fee rate description (defined by the card networks)

18

EstimatedNetworkFee

The fee paid to the card scheme for using their network.

The fee is an accumulation of a set of charges based on the specific ac

19

NetworkFeeCode

Visa network fees

20

IntegrityNetworkFee



The Transaction Integrity Fee (TIF) will be assessed on debit and prepaid card transactions that do not qualify for Custom Payment Service (CPS).

The most common transaction to incur the transaction integrity fee will be keyed in debit card transactions that are processed without address verification information (AVS).

21

SettlementDate

CRB settlement date

22

CutoffDate

The network cutoff date, according to each network

23

CardBrand

The brand of the card used in the transaction

24

CardProductType

The type of card used in the transaction:

  • Unknown
  • Credit
  • Debit
  • Prepaid
  • Combo
  • Charge Card
  • Deferred Debit

25

FirstName



The cardholder's first name

26

LastName



The cardholder's last name

27

First6



The first 6 digits of the card used in the transaction (same as BIN).

25

Last4



The last 4 digits of the card used in the transaction

26

IssuerCountryCode



The country of the card’s issuer

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