Payments
Individual payments are not credited to the account separately, but as a single payment. The amount credited is already net of fees. The money is credited to the account within 3 days (D+3) from the date of the transaction.
Statements
Statements are sent according to the propositions selected in the application. Statements can be sent in PDF, XML or CSV format. They can be sent to your e-mail daily or monthly, depending on the frequency selected. In case of monthly frequency, statements are sent between 2nd and 8th day of the following month. Two statements are always sent to your email for a given period, statement of accepted transactions and statement of payments made.
Translated with DeepL.com (free version)
List of accepted transactions
The purpose of the statement is to inform you about the transactions you have made via the payment terminal. On the statement you will find information about each transaction and a detailed breakdown of the fees. The statement is sorted by date and time of the transaction.
1 Branch – Identification of the trader and the level to which the listing relates.
2 Period – The period for which the statement is provided.
3 Transaction Totals
4 Processed Transactions – Those that have been successfully authorised and processed in payment schemes.
- Transaction date and time – Date and time when the transaction was processed on the payment terminal.
- Terminal ID – TID – unique identifier of the terminal.
- Transaction Processing Date – The date the transaction was received for processing.
- Transaction Type – Sale/Return.
- Transaction Amount – The gross amount charged to the cardholder.
- Fee Amount – The total fee by which the payment to the merchant will be reduced.
- Net Amount – The value that will be paid to the merchant (less the fee).
- Interchange – Fee to the card issuing bank (MIF++ fees).
- Scheme fee – Fee to card companies (MIF++ fees).
- Processor fee – The amount retained by the processor of the transaction.
- Variable Symbol – Appears if it was entered on the payment terminal during the transaction.
5 Sum of suspended transactions – This is a summary of transactions that were authorized and executed on the payment terminal, but the payment schemes did not process this transaction.
6 Processed Suspended Transactions – This is a summary of transactions that have been successfully reprocessed by the payment schemes for a previous suspension.
7 Various fixed or minimum fees:
- Account maintenance fee – minimum monthly fee, alternative to rent.
- Other fees – fixed monthly fee, e.g. SIM card fee.
Statement of payments made
The purpose of the statement is to inform you about the payments sent to your bank account. On the statement you will find information about individual transactions and their disbursement. The statement is sorted by date and time of the transaction.
1 Field showing movement in each category .
- Beginning Account Balance – The amount from the previous statement that was marked as the Ending Balance.
- Transactions Credited – The sum of transactions made by the merchant during the period that were credited to the merchant’s account after processing.
- Transaction Fees – The total amount of transaction fees by which the merchant’s reimbursement is reduced.
- Account Maintenance Fees – The sum of the minimum monthly fees by which the merchant’s payment is reduced (e.g. terminal rent).
- Other fees – The amount of other monthly fees by which the merchant’s reimbursement is reduced (e.g., fixed monthly SIM card fee).
- Suspended Transactions – The total amount of transactions that have been suspended for various reasons.
- Transfers between accounts – Transfers to and from the reserve account.
- Cancelled transactions – Transactions that have been cancelled for various reasons.
- Cancelled Payments – Payments to a merchant that have been cancelled for various reasons.
- Other Items – Miscellaneous other items that change the amount of payment to the merchant.
- Transactions to be paid – The net amount of transactions that will be paid to the merchant in subsequent periods.
- Paid to Bank Account – The amount that was paid to the merchant’s bank account during the period for which the statement is provided.
2 The field shows the movements in the Trader’s Reserve Account.
3 Field showing a summary of transactions that have been paid into the trader’s account.
4 The period to which the statement refers.
5 List level – Establishment or terminal (BID or TID).