Interchange

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The Interchange report is only for clients issuing with Mastercard.

The Interchange report contains Interchange data for the transactions received from the scheme.

Format: CSV
File Name: [CLIENTNAME_Interchange_YYYYMMDD_to_YYYYMMDD].csv
Frequency: Daily
Stored in: A client hosted SFTP folder
Product applicability: Local Store of Value: Prepaid/Debit, Credit and Remote Store of Value: Prepaid/Debit and Credit. Mastercard ONLY

Data Fields

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

Field Name	Description	Example	Format
PY__RID_Settlement	Unique ID for settlement transaction	13050	Numeric
PY__RID_Authorization	Unique ID for authorisation transaction (this may have value 0 if no Authorisation involved in the transaction)	10321	Numeric
PY__Account_ID	Account identifier	276543	Numeric
PY__Token	Public token generated by Paymentology to replace PAN	51234 56789	Numeric
PY__Account_External_Reference	Additional account external reference details. Note: this is listed as format "Numeric" on the spec, but can contain special characters (the hyphen)	321-9123456	Numeric (plus special character)
PY__File_ID	Unique file ID assigned by Paymentology	987	Numeric
PY__Transaction_ID	Transaction thread ID created and maintained by Paymentology. Large integer, incremental	220987 654321 0123456	Numeric
PY__Network	Indicates the Network provider. M = Mastercard	M	Alphabetic
PY__MTID	MTID code (Message Transaction Identifier). 1240 = Presentment	1240	Numeric
PY__Created_Date	Indicates the time at which Paymentology processed the file	2019-07-08 09:25:00	YYYY-MM-DD HH:mm:ss
PY__Is_Debit	This field determines the direction of funds flow of the original transaction, -1 = debit, +1 = credit, 0 = record with no financial movement (balance enquiry, no fees). Settlement Reversal will still hold the value of the original settlement.	1	Numeric
DE48_0105__Network_File_Reference	PDS 0105 value. Network File Reference	11206140 00000120 0000000	Numeric
DE48_0146_2__Fee_Processing_Code	Code indicating the reason for the fee. 19 = Debit transaction destination 29 = Credit transaction destination 00 = Not applicable. May be used if member provides PDS 0146.	29	Numeric
DE48_0146_3__Fee_Settlement_Indicator	Indicates the manner or timing in which a fee will be settled	2	Numeric
DE48_0146_4__Fee_Currency_Code	Specifies the currency in which any fees related to the transaction are denominated	344	Numeric
DE48_0146_5__Fee_Interchange_Amount	The actual amount of money that is charged as the interchange fee for a particular transaction	41.67
DE48_0146_6__Fee_Currency_Code_Reconciliation	Specifies the currency in which the transaction is being reconciled for settlement purposes	344	Numeric
DE48_0146_7__Fee_Interchange_Amount_Reconciliation	Specifies the final or reconciled interchange fee amount for a specific transaction	14.37
DE48_0158_1__Card_Program_Identifier	Indicates the type of card program involved in the transaction. Card programs can include a variety of types such as standard credit cards, corporate cards, prepaid cards, rewards cards, etc.	DMC	Alphabetic
DE48_0158_2__Business_Service_Arrangement_Type_Code	Generally used to identify the specific business or service arrangement under which a transaction falls. This could refer to the specific terms, conditions, or type of account that is being used for that particular transaction	2	Numeric
DE48_0158_3__Business_Service_ID_Code	Identifies the type or category of service being utilized in the transaction. Essentially, this field indicates the kind of business service that is being provided, such as a retail purchase, online transaction, cash withdrawal, etc.	40000	Numeric
DE48_0158_4__Interchange_Rate_Designaor	Used to identify the specific interchange rate that applies to a particular transaction	YC	Alphabetic
DE48_0158_5__Central_Site_Business_Date	Indicates the business date on which the central processing site of the card network processed the transaction. This date may differ from the transaction date, especially in the case of transactions that take place late in the day or are processed with a delay.	2023-05-23	Date: YYYY-MM-DD
DE48_0158_6__Business_Cycle	Typically refers to a specific time frame or period during which transactions are processed, grouped, or settled. This could be daily, weekly, monthly, or any other period as defined by the card network or as per the agreement between the involved financial institutions.	1	Numeric
DE48_0158_7__Card_Acceptor_Classification_Override_Indicator	Indicates whether the standard Merchant Category Code (MCC) for the card acceptor (the merchant) has been overridden for a particular transaction or set of transactions. The MCC is a four-digit code that categorizes the merchant's type of business.	0	Numeric
DE48_0158_8__Product_Class_Override_Indicator	Indicates whether the standard product class of a given card has been overridden for a specific transaction or set of transactions. The product class generally refers to the type of card being used, such as a credit card, debit card, prepaid card, etc.	MCC	Alphabetic
DE48_0158_9__Corporate_Incentive_Rates_Apply_Indicator	Indicates whether a transaction qualifies for special corporate incentive rates. These incentive rates are often negotiated rates that are lower than the standard interchange rates and are applicable to corporate or business accounts. The indicator serves to flag such transactions for special treatment in terms of interchange fees. N = No corporate incentive interchange was applied. V = UK summary VAT level corporate incentive rates were applied. 1 = First-level corporate card incentive interchange was applied. 2 = Second-level corporate card incentive interchange was applied. For full definitions you can refer to the Scheme's specification documentation.	N	Alphabetic
DE48_0158_10__Special_Conditions_Indicator	Used to flag transactions that are subject to special conditions or exceptions. These could relate to a variety of factors, including risk level, special pricing or fee structures, or unique compliance requirements. N = Neither late presentment nor ATM surcharge adjustment. Y = Late presentment adjustment only. 2 = ATM surcharge adjustment only. 3 = Both late presentment and ATM surcharge adjustment.	N	Alphabetic
DE48_0158_11__MC_Assigned_ID_Override_Indicator	Indicates that the standard Mastercard-assigned identification for the transaction or merchant has been overridden. This could happen for various reasons, such as special processing rules, unique fee structures, or custom handling procedures for specific transactions or merchants. Y or N.	N	Alphabetic
DE48_0158_12__Account_Level_Management_Account_Category_Code	Used to categorize the type of account that is associated with the transaction. This can be particularly important for corporate, business, or institutional accounts where transactions may be segmented or managed at different levels. N (default) B = Enhanced value. M = Product graduation and enhanced value. P = Product graduation. For full definitions you can refer to the Scheme's specification documentation.	N	Alphabetic
DE48_0158_13__Rate_Indicator	Indicates the rate or fee category under which a particular transaction falls. This rate or category can affect the interchange fees that are applied to the transaction, and understanding it is crucial for multiple aspects of transaction processing and financial management. B = Base C = MPP regulated rate 1 E = Transaction qualified for the Europe Cross Border Acquiring Regulated Rate. For full definitions you can refer to the Scheme's specification documentation.	N	Alphabetic
DE48_0158_14__Masterpass_Incentive_Indicator	Used to flag transactions that qualify for special incentives or reduced rates due to their use of Masterpass, Mastercard's digital wallet service. This field identifies whether a particular transaction should be processed with a different fee structure or incentives due to its association with Masterpass
DE48_159_6__Reconciliation_Date	Indicates the date on which the reconciliation process for a set of transactions is either initiated or completed	2023-05-23	Date: YYYY-MM-DD
DE48_159_7__Reconciliation_Cycle	Refers to the time period or cycle over which a batch of transactions is reconciled. This could be daily, weekly, bi-weekly, monthly, or any other time period as defined by the network or the financial institutions involved	1	Numeric
DE48_159_8__Settlement_Date	Specifies the date on which the financial settlement for a batch of transactions is completed. This is the date when funds are actually transferred between the acquiring bank (the merchant's bank) and the issuing bank (the cardholder's bank)	2023-05-23	Date: YYYY-MM-DD
DE48_159_9__Settlement_Cycle	Indicates the recurring time frame in which financial settlement of transactions occurs. This could be daily, weekly, or any other period specified by the card network or financial institutions involved	1	Numeric
DE71__Message_Number	Serves as a unique identifier for each transaction or message that is part of the interchange process	50	Numeric
DE100__Receiving_Institution_ID	Used to identify the financial institution that receives the transaction data for settlement. This is usually the acquiring bank, which is the financial institution that processes credit or debit card payments on behalf of a merchant	5123	Numeric

Sample file

PY__RID_Settlement  ,PY__RID_Authorization ,PY__Account_ID  ,PY__Token,PY__Account_External_Reference,PY__File_ID,PY__Transaction_ID,PY__Network,PY__MTID,PY__Created_Date,PY__Is_Debit,DE48_0105__Network_File_Reference,DE48_0146_2__Fee_Processing_Code,DE48_0146_3__Fee_Settlement_Indicator,DE48_0146_4__Fee_Currency_Code,DE48_0146_5__Fee_Interchange_Amount,DE48_0146_6__Fee_Currency_Code_Reconciliation,DE48_0146_7__Fee_Interchange_Amount_Reconciliation,DE48_0158_1__Card_Program_Identifier,DE48_0158_2__Business_Service_Arrangement_Type_Code,DE48_0158_3__Business_Service_ID_Code,DE48_0158_4__Interchange_Rate_Designaor,DE48_0158_5__Central_Site_Business_Date,DE48_0158_6__Business_Cycle,DE48_0158_7__Card_Acceptor_Classification_Override_Indicator,DE48_0158_8__Product_Class_Override_Indicator  ,DE48_0158_9__Corporate_Incentive_Rates_Apply_Indicator,DE48_0158_10__Special_Conditions_Indicator,DE48_0158_11__MC_Assigned_ID_Override_Indicator,DE48_0158_12__Account_Level_Management_Account_Category_Code,DE48_0158_13__Rate_Indicator,DE48_0158_14__Masterpass_Incentive_Indicator,DE48_159_6__Reconciliation_Date,DE48_159_7__Reconciliation_Cycle,DE48_159_8__Settlement_Date,DE48_159_9__Settlement_Cycle,DE71__Message_Number,DE100__Receiving_Institution_ID
1.23E+16,47654321,234567809,333444555,321-00123456789,12321,6.76E+23,M,1240,16/01/2023 1:07,1,1.23E+27,29,1,344,41.67,344,41.67,ABC,2,40001,YF,16/01/2023,1,,,N,N,N,,,,16/01/2023,1,16/01/2023,1,50,5891
1.23E+16,47654322,234567810,222555888,321-00123456790,12321,6.79E+22,M,1240,16/01/2023 1:07,1,1.23E+27,29,1,344,14.37,344,14.37,ABC,2,40001,YC,16/01/2023,1,,,N,N,N,,,,16/01/2023,1,16/01/2023,1,51,5891
1.23E+16,47654323,234567811,777888999,321-00123456791,12321,2.20E+23,M,1240,16/01/2023 1:07,1,1.23E+27,29,1,364,3.56,344,0.84,ABC,2,40001,YC,16/01/2023,1,,,N,N,N,,,,16/01/2023,1,16/01/2023,1,52,5891
1.23E+16,47654324,234567812,999888555,321-00123456792,12321,2.20E+23,M,1240,16/01/2023 1:07,1,1.23E+27,29,1,364,2.04,344,0.48,ABC,2,40001,YC,16/01/2023,1,,                                                         ,N,N,N,,,,16/01/2023,1,16/01/2023,1,53,5891
1.23E+16,47654325,234567813,222111333,321-00123456793,12321,2.20E+23,M,1240,16/01/2023 1:07,1,1.23E+27,29,1,364,7.6,344,1.8,ABC,2,40001,YC,16/01/2023,1,,,N,N,N,,,,16/01/2023,1,16/01/2023,1,54,5891

Alignment to other reports

PY\_\_RID_Authorization is the same as the rid_authorization field found in the Authorizations report and the PY\_\_RID_Authorization field found in the Presentments report. You can use these fields to match transaction message records.
PY\_\_Token is the same as the card_number_proxy field found in the Authorizations report, the PY\_\_Token field found in the Presentments and Fees reports, the Card field found in the Chargebacks report and the Token field found in the Program fees report.
PY\_\_Transaction_ID is the same as the transaction\_id field found in the Authorizations report, the PY\_\_Transaction\_ID field found in the Presentments and Fees reports and the Transaction_ID field found in the Program fees report. You can use these fields to match transaction threads.

Alignment to FAST messages

PY\_\_RID_Authorization is the same as the RID field found in FAST authorization messages and the ADD_REF_RID field found in FAST V3 clearing and settlement messages. You can use these fields to match transaction message records.
PY\_\_Token is the same as the "DE2" field found in FAST authorization messages and the "2" (Mastercard) or "Account Number" (Visa) field found in both FAST authorization and FAST V3 clearing and settlement messages.
PY\_\_Transaction_ID is the same as the "TID" field found in both FAST authorization messages and FAST V3 clearing and settlement messages. You can use these fields to match transaction threads.