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Main Features of the Reconciliation Data Specification

With the Reconciliation Data Specification, merchants receive post-transaction data from processors in a standard format through a standard integration interface. They receive data at various stages of a transaction: settlement response, funding, successful refund, and chargeback.
Processors share this information at regular intervals so that merchant reports can be generated and the status of transactions in various applications and business tools can be updated.
The Reconciliation Data Specification includes these files:
  • Reconciliation
  • Funding Detail
  • Deposit Summary
  • Fee Detail
  • Dispute Detail
By defining a standard integration interface, payment service providers (PSPs) and processors can send post-settlement data using a standardized set of reconciliation files.
These files should be sent:
  • The Reconciliation file provides information about all settlement and capture requests received from us on the previous day and indicates whether the settlement request was accepted or rejected. This data enables merchants to reconcile settlements with the record on the payment service provider. This file is a transaction-level detail file.
  • The Funding detail file provides information about funding-date, amount, currency, currency conversion, and more. Merchants use this information to reconcile funding data to deposits transferred to their bank accounts. This file is a transaction-level detail file.
  • The Deposit summary file provides information about funds deposited to or withdrawn from the merchant's bank account. Information about breakup for settlement activity, fees, and chargeback activity is also included. This file is a summary file containing bank deposit information.
  • The Fee detail file provides information about fees that merchants are charged for transactions. Fee information includes discount, service fee, interchange amount, and assessment amount. Daily transaction-level detail fees must be provided. Any exception to this must be first discussed with
    Visa Acceptance Solutions
    . This file is a transaction-level detail file.
  • The Dispute detail file provides information about disputes initiated by a customer with an issuer and enables merchants to act on the dispute workflow. This file is a transaction-level detail file.
The specification also includes:
  • main.xsd
  • common.xsd
These files define the document structure and common elements of the reports sent to us and are used to validate the XML files. For more information on validating your XML files, see Validating Files.