Overview

CLOWD9 receives clearing files daily from your network, including Debits, Credits, Interchange (positive and negative), and other fees, with the net result becoming the settlement that is to be paid direct to the network.

The purpose of the Presentment, Interchange, and Fees report is to aid reconciliation in conjunction with the network settlement reports to ensure the amount settled is correct. This report can also be used to identify any operational issues such as incorrect setup resulting in a negative outcome due to incorrect costs being incurred.

CLOWD9 will provide you with this report on a daily basis using the clearing files. Where CLOWD9 has received the original authorization, matching will take place, and in the clearing record CLOWD9 will provide the relevant ID.

As an Issuer, you will receive the Authorization data relevant to your Program Managers, their programs, products, and cards issued.

Where you are a Program Manager, the report will provide data applicable to your programs and products only.

File Naming Conventions

Field	Description
Pre_fix	Agreed via the Customer Configuration Form. AN – length up to 15 characters ( _ is allowed)
Report name	pif
ClientUTC Date	Agreed via the Customer Configuration Form
UTC Date	YYYYMMDD
UTC Time	hhmmss
Format	json

Example: Pre_fix-pif-Client-20230115-011525.json

Specifications

JSON PATH	Description	Example
file_date_and_time	UTC Date transmitted by processor Format: YYYY-MM-DD hmmss	2023-01-15 011525
total_number_of_records	Details how many records are included in the report	1
clearing_records
clearing.program_name	Program Name associated with the card	CLOWD9 Travel
clearing_records.program_id	Program ID associated with the card. Generated by CLOWD9 represented as a GUID	1028c3d4-06fc-401d-bbb2-9df36a06e06b
clearing_records.product_id	Product ID associated with card. Generated by CLOWD9 represented as a GUID	0828c3d4-06fc-401d-bbb2-9df36a06e06b
clearing_records.card_id	The identifier associated to the card used represented as a GUID	f6ea4c96-db0b-4bd9-9d59-c745ea24b183
clearing_records.network_name	The network associated with the BIN and card_id	Visa Mastercard
clearing_records.clearing_outcome	Identifies the outcome of matching the clearing to the original authorization	0
clearing_records.clearing_cycle	Identifies the cycle file containing the clearing record. Note: This field is only applicable to Mastercard programs	1
clearing_records.authorizations
clearing_records.authorizations.transaction_id	The ID of the authorization identified to be matching the clearing record represented as a GUID	1ae4af71-720d-4657-a742-24c7bc809985
clearing_records.authorizations.system_trace_audit_number	System Trace Audit Number of authorization	105308
clearing_records.authorizations.retrieval_reference_number	Retrieval Reference Numbers of authorization	74541834244288088530027 12345678910
clearing_records.record_id_clearing	The unique identifier of the clearing record in the CLOWD9 database represented as a GUID	8de0972-bd31-46ac-bb3c-014b2b438c55
clearing_records.clearing_category	Identifies the category of a clearing transaction	sales_debit
https://docs.clowd9.io/docs/presentment-type	The presentment type	1
clearing_records.from_account	Reserved for future use and defaults to 00	00
clearing_records.to_account	Reserved for future use and defaults to 00	00
clearing_records.direction	To identify if the amount is a Debit or Credit	Debit Credit
clearing_records.transaction_amount	The transaction amount in units represented in transaction_currency_code. For example 1000 = 10.00	225
clearing_records.transaction_currency_code	The transaction currency code	978
clearing_records.reconciliation_amount	The actual billing amount in units from the clearing record. For example 1000 = 10.00	150
clearing_records.reconciliation_currency_code	The currency code of the reconciliation amount	826
clearing_records.cardholder_billing_amount	The cardholder billing transaction amount in units, represented in billing_currency_code. For example 857 = 8.57	150
clearing_records.cardholder_billing_currency_code	Billing_currency_code	826
clearing_records.cardholder_billing_conversion_rate	Rate provided by the Network represented as a string in decimal format Domestic values will use the rate 1.0000000 or 1	0.8444444
clearing_records.transaction_to_base_currency_rate	Rate if provided by the Network represented as a string in decimal format. This is used with the base_to_billing_currnecy_rate to calculate the cardholder_billing_converstion_rate. Note: If not provided, this will default to cardholder_billing_conversion_rate Domestic values will use the rate 1.0000000 or 1	0.8444444
clearing_records.base_to_billing_currency_rate	Rate if provided by the Network represented as a string in decimal format. This is used with the transaction_to_base_currency_rate to calculate the cardholder_billing_converstion_rate. Domestic values will use the rate 1.0000000 or 1 Note: If not provided, this will default to cardholder_billing_conversion_rate	0.8444444
clearing_records.date	Date of transaction as per clearing record. YYYY-MM-DD	2024-01-22
clearing_records.sequence_number	The sequence number of the clearing record. Used to identify multiple clearing transactions associated to the same authorization	001
clearing_records.reason_code	Typically used in dispute transactions to identify the reason of dispute	00
clearing_records.merchant_category_code	The Merchant Category Code (MCC)	5542
clearing_records.reference_number	Reference number of the clearing record, such as Acquirer Reference Number (ARN)	080000100059
clearing_records.acquiring_institution_id_code	The identification code of the Acquiring Institution	00000999901
clearing_records.forwarding_institution_id_code	The identification code of the Forwarding Institution	999901
clearing_records.authorization_code	Following successful matching, the value will be that of the original authorization. If the clearing record cannot be matched, the field will not be populated	239845
clearing_records.card_acceptor_terminal_id	The identifier of the terminal where the transaction took place	12345678
clearing_records.card_acceptor_id	The identifier of the card acceptor entity	R-5411-GBR
clearing_records.card_acceptor_name	The name of the card acceptor entity	7 CLOWD9 Street
clearing_records.card_acceptor_city	The city of the card acceptor entity	London
clearing_records.card_acceptor_post_code	The post code of the card acceptor entity	CL0 4DN
clearing_records.card_acceptor_country_code	The country of the card acceptor entity	USA SG
clearing_records.licensed_product_identifier	Network Product Identifier	MDT MDS
clearing_records.network_file_reference	Reserved for future use	001
clearing_records.network_card_program_identifier	Identifies the Program Type	MDS
clearing_records.bin_type	Reserved for future use and will identify the BIN type	debit credit prepaid
clearing_records.product_type	Reserved for future use and will identify the Product type	consumer corporate
clearing_records.central_site_business_date	Central Processing Date from the clearing file. YYYY-MM-DD	2023-01-14
clearing_records.special_condition_indicator	Provides additional information regarding dispute financials and adjustments	1, 2, 3 N, F, H, L
clearing_records.settlement_service_level_code	Numeric value (1) identifying type of settlement, Domestic or International	1
clearing_records.settlement_date	Date of settlement from the network YYYY-MM-DD	2023-01-14
clearing_records.additional_amount_type	Identifies the additional amount type	Cashback
clearing_records.additional_amount	The value of the additional amount in units. For example 500 = 5.00	500
clearing_records.additional_amount_currency_code	The transaction currency code of the amount	826
clearing_records.interchange_fee	Represents the interchange fee amount, beginning with “C” for Credit and “D” for Debit. This is represented in the issuer’s base currency, with 6 decimal places	C000000000000123000

Example File

{
  "file_date_and_time": "2023-01-15 011525",
   "total_number_of_records": "1",
    "clearing_records": [
    {
      "program_name": "CLOWD9 Travel",
      "program_id": "1028c3d4-06fc-401d-bbb2-9df36a06e06b",
      "product_id": "0828c3d4-06fc-401d-bbb2-9df36a06e06b",
      "card_id": "9fc53743-247b-185f-8720-13be7ac028b6",
      "network_name": "Visa or Mastercard",
       "clearing_outcome": "0",
       "clearing_cycle": "1",

      "authorizations": [
        {
          "transaction_id": "71a78503-5b49-42d1-ae89-4280a12b9af2",
          "system_trace_audit_number": "123456",
          "retrieval_reference_number": "12345678910"
        }
      ],
      "record_id_clearing": "00a3b642-5bc6-40dd-b3bf-36ef13235a9a",
      "clearing_category": "sales_debit",
      "presentment_type": "0",
      "from_account": "00",
      "to_account": "00",
      "direction": "Debit",
      "transaction_amount": "225",
      "transaction_currency_code": "978",
      "reconciliation_amount": "190",
      "reconciliation_currency_code": "826",
      "cardholder_billing_amount": "190",
      "cardholder_billing_currency_code": "826",
      "cardholder_billing_conversion_rate": "0.8444444",
      "transaction_to_base_currency_rate": "0.8444444",
      "base_to_billing_currency_rate": "0.8444444",
      "date": "2024-01-14",
      "sequence_number": "001",
      "reason_code": "00",
      "merchant_category_code": "5542",
      "reference_number": "74541834244288088530027",
      "acquiring_institution_id_code": "454183",
      "forwarding_institution_id_code": "023748",
      "authorization_code": "296118",
      "card_acceptor_terminal_id": "81113075",
      "card_acceptor_id": "R-5411-GBR",
      "card_acceptor_name": "7 CLOWD9 Street  ",
      "card_acceptor_city": "London",
      "card_acceptor_post_code": "AB1 2CD",
      "card_acceptor_country_code": "GBR",
      "licensed_product_identifier": "MDT ",
      "network_file_reference": "001",
      "network_card_program_identifier": "MDS ",
      "bin_type": "",
      "product_type": "",
      "central_site_business_date": "2023-01-14",
      "special_condition_indicator": "1",
      "settlement_service_level_code": "8",
      "settlement_date": "2023-01-14",
      "additional_amount_type": "cashback",
      "additional_amount": "100",
      "additional_amount_currency_code": "826",
      "interchange_fee": "000000000000123000"
    },
    {