Netfunding

The Netfunding report provides a detailed daily calculation of the net amount of funds that the Program Manager needs to manage.

This report encompasses all transactions, adjustments, and fees to offer a clear financial picture, aiding in fund allocation, regulatory compliance, risk management, and operational efficiency.

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Netfunding report is only applicable to partners that are not regulated.

Format: CSV
File Name [ClientName_Netfunding_YYYYMMDD].csv
Frequency: Daily
Stored in: Client-hosted SFTP folder
Product applicability: Local Store of Value: Prepaid/Debit, Credit and Remote Store of Value: Prepaid/Debit, Credit

Paymentology uses data from the transaction loads and unloads, settlements, and balance reports to calculate the values. Each calculation is processed daily per currency.

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Debits from the customers’ accounts (Unloads, Negative Balance Adjustments, Representments) are subtracted from the credits (Loads, Positive Balance Adjustments, Chargebacks) that were processed that day.

Data fields

Use the table below to help you interpret the data in the report:

Field Name	Description	Example	Format
Date	The date field represents the date related to the data in the report (Netfunding date).	2023-04-03	Date YYYY-MM-DD
Currency	Currency associated with the transaction amount,	862	Numeric
Card_Load	This field represents the total number of card loads from the Netfunding day including total card unload reversals. Sum of all load transactions	543.21	Numeric - decimal
Card_Unload	This field represents the total number of card unloads from the Netfunding day including total card load reversals. Sum of all unload transactions	123.45	Numeric - decimal
Positive_Balance_Adjustment	Refers to amount added to the net funding due to certain adjustments or corrections made	23.08	Numeric - decimal
Negative_Balance_Adjustment	Refers to amount deducted from the net funding due to certain adjustments or corrections made	-21.07	Numeric - decimal
Programme Fees	The net sum of all fees charged by the Program Manager to the cards. E.g. redemption fees, FX fees, etc.	951.06	Numeric - decimal
Mastercard Fees	Scheme fees Mastercard – debits and credits to the ICA. The net sum of all fees charged by the Scheme e.g. ATM fees, etc.	258.05	Numeric - decimal
Positive Interchange	Represents interchange fees related to POS txns or reversal of the Negative interchange which are treated as debits in the Netfunding total calculation. Sum of Positive Interchange Fees Settlement totals	456.04	Numeric - decimal
Negative Interchange	Represents interchange fees related to ATM txns or reversal of the Positive interchange which are treated as credits in the Netfunding total calculation. Sum of Negative Interchange Fees Settlement totals	-321.03	Numeric - decimal
Negative Balance Close	At the close of the day, if there is a negative balance it is added to the Netfunding report for information only	-654.02	Numeric - decimal
Negative Balance Change	The difference between - Sum of negative balances at closing time today (23h59), AND Sum of negative balances at the closing time yesterday (23h59) From the balance report there will be a negative balance amount changes that needs to be included in the calculation. Every new negative balance needs to be covered by the Programme manager, so the amount needs to be added to the Netfunding total. When the negative balance total reduces by some value, this value needs to be subtracted from the Netfunding total.	-987.01	Numeric - decimal
Netfunding Total	Card loads - Card unloads - Programme fees + Mastercard fees - Positive Interchange + Negative Interchange + Negative balance change - chargebacks + representment		Numeric - decimal

Sample file

Date	Currency	Card_Load	Card_Unload	Positive_Balance_Adjustment	Negative_Balance_Adjustment	Programme_Fees	MC_Fees	Positive_Interchange	Negative_Interchange	Negative_Balance_Close	Negative_Balance_Change	Netfunding_Total
2023/01/15	826	1209711.94000	-11776.81000	0	0	-979.69900000	258.00	3508.22	-104.83	-27276.0354	-517.0112	1192777.02980000
2023/01/15	826	1209711.94001	-11776.81001	0	0	-979.69900001	258.01	3508.23	-104.84	-27276.0355	-517.0113	1192777.02980001
2023/01/15	826	1209711.94002	-11776.81002	0	0	-979.69900002	258.02	3508.24	-104.85	-27276.0356	-517.0114	1192777.02980002
2023/01/15	826	1209711.94003	-11776.81003	0	0	-979.69900003	258.03	3508.25	-104.86	-27276.0357	-517.0115	1192777.02980003
2023/01/15	826	1209711.94004	-11776.81004	0	0	-979.69900004	258.04	3508.26	-104.87	-27276.0358	-517.0116	1192777.02980004