Clearing and settlement data

Clearing and settlement reports

Banking.Live clients are able to receive reports relating to clearing and settlement. Clients are able to select the relevant reports they wish to receive.

Report name	Purpose
Chargebacks	Contains chargebacks that have been received and matched by Banking.live
Program fees	Contains all fees and/or fee rebates applied by the Paymentology platform for the day.
Interchange	Contains all the associated interchange data for a particular day
Netfunding	Contains the calculated net totals funded on a particular day
Presentments	Contains data received in presentment and clearing records correlating originating authorizations and matched transactions.

FAST clearing and settlement messages

Detailed transaction data is stored for each transaction after it has been received and processed by Banking.Live, allowing you to perform transaction-level drill-downs via PayControl.

Below outlines transaction-level information which may be viewed by PayControl users:

Transaction-level data	Description	Authorization messages	Settlement messages
Received transaction	ISO message received from the relevant scheme	Y	N/A
Settlement Data	Data received in presentment and scheme fees messages	N/A	Y
Decision logic	The logic applied to reach the decision outcome	Y	N/A
Timings	Timings for each FAST request and response	Y	N/A
FAST Out	The full FAST message sent to the bank/client	Y	X
FAST from Client	Response message received from the bank/client	Y	N/A
Rules detail	All rules against which the transaction was validated	Y	Y
Interchange data	Interchange data for the transaction received from the scheme	N/A	Y

Payloads and sample messages

You can reference our clearing and settlement payloads and view sample FAST clearing and settlement messages under the respective scheme here.

API integration

The Get settlement data endpoint allows you to retrieve settlement data specific to a time period and token.