Funding Report

Nomupay provides the following set of reports, and this section will describe the MDR - and IC++ Funding Report:

Product Offer	Report name	Cadence	Format	Delivery method
Payments Path	Informational Cash Flow	Daily	CSV	Email SFTP
	Funding Statement	Daily (after funding)	PDF	Email Portal
	MDR Funding Report	Daily (after funding)	CSV	Email SFTP Portal
	IC++ Funding Report	Daily (after funding)	CSV	Email SFTP Portal
Payouts Path	Transaction Activity Report	Daily, weekly, or monthly	CSV	Email
Payouts Path	Payment Status Report	Daily, weekly, or monthly	CSV	Email

Overview

Designed to support reconciliation efforts between the merchant’s payment acceptance and the associated funding made available on the merchant’s bank account. The funding report is generated and delivered daily, after the merchant funding has taken place.

The type of data you receive in your funding report will depend on your solution's pricing model, which can be either:

Single Merchant Discount Rate (MDR)
Multi Merchant Discount Rate (MDR)
Interchange Plus Plus (IC++)

For the difference between the three types please visit the Transaction Fees chapter.

In both the MDR and IC++ version the funding report provides a line item per transaction included in your daily funding. This includes per transaction:

The funding amount (i.e., the transaction amount minus any applicable fees and taxes have been deducted - see the Merchant Funding section for more information on the funding process), and,
The date the funding occurred as well as,
The associated funding ID.

To have a detailed view of the data shared in the funding report please visit the Report Data section below.

The funding report is provided in a comma-separated values (CSV) file format and are delivered through Secure File Transfer Protocol (SFTP) folder or via email, and is available for download via the Customer Portal. The file is formatted in such a way that you can automate the processing of the report data into their existing systems.

The CSV version of the funding report is formatted with the file name:

For merchants, platforms and marketplaces:
- SFTP: daily_funding_report_funding_date=[yyyy-mm-dd]_[AccountID]__[PayOutWalletID]_[yyyy-mm-dd].csv
- Email with title: “Daily Funding Report for [yyyy-mm-dd]” sharing attachment to download the associated report: Daily_Funding_Report_[AccountID]_[PayOutWalletID]_[yyyy-mm-dd].csv
For reseller partners:
- SFTP: daily_funding_report_funding_date=[yyyy-mm-dd]_[PartnerID]_[AccountID]__[PayOutWalletID]_[yyyy-mm-dd].csv
- Email with title: “Daily Funding Report for [yyyy-mm-dd]” sharing url(s) to download the associated report(s): [PartnerID]__[AccountID]_[PayOutWalletID]_[Counter].csv

Funding ID

When the Merchant Funding takes place, then the unified platform will annotate the bank transfer using a unique identifier, called the Funding ID. The funding ID can be used to reconcile your bank account statement with the transactions stated in your funding report. Each transaction will have a funding ID assigned to it in the "Funding ID" column of the report. Multiple transactions can be grouped into a single funding ID; this simply means that the funds from each of these transactions were "funded" to the bank account in the same transfer. Therefore, it is recommended that you use the Funding ID to reconcile deposits into your bank account with the transactions listed in the funding report.

A funding report is triggered per confirmed bank transfer to a nominated bank account (i.e., per funding ID).

Note:

Reseller partners will receive individual funding reports for each of the merchants that they have onboarded to the unified platform provided a funding event has occurred. Each report will contain said merchant's transactions and associated funding data for a given funding ID (for example, if you have onboarded 50 merchants as a reseller client, and they have transaction activity that triggers funding daily, you will receive 50 unique funding Reports per day -- 1 per merchant and their associated funding ID).
Merchants, platforms and marketplaces will receive 1 funding report following a funding event, which will contain all of their transactions and associated funding data for a given funding ID.

Report Data

Column / Field Name	Description	Supported Options (If applicable)	Format / Example Value	Applicability
NP Transaction ID	Transaction’s unique identifier assigned by the unified Platform.		NP-69b73a945 f167503724 54403492	Informational Cash Flow MDR Funding Report IC++ Funding Report
Transaction Date	Transaction date and time. NOTE: the time zone will be set based on the merchant’s location.		YYYY-MM-DD hh:mm:ss	Informational Cash Flow MDR Funding Report IC++ Funding Report
Transaction Type	Transaction type. Can be as follows: Authorisation of purchase Single instruction purchase transaction Single instruction credit transaction Authorisation reversal Refund of previous purchase Cardholder initiated dispute of previous purchase Representment of a chargeback Technical reprocessing of purchase Technical reprocessing of refund Technical reprocessing of transaction Temporary authorisation of purchase Adjustment of non-captured purchase transaction Capture of previous authorisation Gateway events fee	Authorization Sale Credit Reversal Refund Chargeback Representment Adjust_Purchase Adjust_Refund Adjust_Internal PreAuth Authorised_Reversal Completion Gateway_Events		Informational Cash Flow MDR Funding Report IC++ Funding Report
Transaction Status	Transaction status. Can be as follows: Successful authorization / purchase Approved authorization / purchase Declined authorization / purchase Reversed authorization / purchase Aborted authorization / purchase	Authorized Approved Declined Reversed Aborted	Text, as defined in Supported Options column	Informational Cash Flow MDR Funding Report IC++ Funding Report
Transaction Amount	Transaction amount. Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with (-) if your balance is to be debited.		2327.24 or -2327.24 (for a debit)	Informational Cash Flow MDR Funding Report IC++ Funding Report
Transaction Currency	Transaction currency. Currency three letter code ISO 4217-Alpha 3.		HKD	Informational Cash Flow MDR Funding Report IC++ Funding Report
MDR Amount	Merchant Discount Rate amount. Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with a (-) sign in instances where the MDR has been deducted.		13.67 or -13.67 (for a deduction)	Informational Cash Flow MDR Funding Report IC++ Funding Report
MDR Currency	Merchant Discount Rate currency. Currency three letter code ISO 4217-Alpha 3.		HKD	Informational Cash Flow MDR Funding Report IC++ Funding Report
GRT Amount	Gross Receipt Tax amount. Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with a (-) sign in instances where the GRT has been deducted. Only applicable for specific countries. When not applicable this field will be left empty.		27.24 or -27.24 (for a deduction)	Informational Cash Flow MDR Funding Report IC++ Funding Report
GRT Currency	Gross Receipt Tax currency. Currency three letter code ISO 4217-Alpha 3. Only applicable for specific countries. When not applicable this field will be left empty.		PHP	Informational Cash Flow MDR Funding Report IC++ Funding Report
WHT Amount	Withholding Tax amount. Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with a (-) sign in instances where the WHT has been deducted. Only applicable for specific countries. When not applicable this field will be left empty.		57.22 or -57.22 (for a deduction)	Informational Cash Flow MDR Funding Report IC++ Funding Report
WHT Currency	Withholding Tax currency. Currency three letter code ISO 4217-Alpha 3. Only applicable for specific countries. When not applicable this field will be left empty.		EUR	Informational Cash Flow MDR Funding Report IC++ Funding Report
VAT Amount	Value-Added Tax amount. Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with a (-) sign in instances where the VAT has been deducted. Only applicable for specific countries. When not applicable this field will be left empty.		7.89 or -7.89 (for a deduction)	Informational Cash Flow MDR Funding Report IC++ Funding Report
VAT Currency	Value-Added Tax currency. Currency three letter code ISO 4217-Alpha 3 Only applicable for specific countries. When not applicable this field will be left empty.		THB	Informational Cash Flow MDR Funding Report IC++ Funding Report
ST Amount	Sales and Service Tax amount. Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with a (-) sign in instances where the SST has been deducted. Only applicable for specific countries. When not applicable this field will be left empty.		146.45 or -146.45 (for a deduction)	Informational Cash Flow MDR Funding Report IC++ Funding Report
ST Currency	Sales and Service Tax currency. Currency three letter code ISO 4217-Alpha 3 Only applicable for specific countries. When not applicable this field will be left empty.		MYR	Informational Cash Flow MDR Funding Report IC++ Funding Report
Funding Amount	Amount due to be funded to the nominated funding account. Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with (-) if your balance is to be debited		27.24 or -27.24 (for a debit)	Informational Cash Flow MDR Funding Report IC++ Funding Report
Funding Currency	Funding currency. Currency three letter code ISO 4217-Alpha 3.		HKD	Informational Cash Flow MDR Funding Report IC++ Funding Report
Funding Date	Date that Nomupay funds the merchant’s nominated funding account.		YYYY-MM-DD	Informational Cash Flow MDR Funding Report IC++ Funding Report
Funding ID	Unique ID to be found on the merchant’s bank statement, allowing to match the transactions in the funding report and funding amount.		45r139b5d f24fc6528 3502899	Informational Cash Flow MDR Funding Report IC++ Funding Report
Payment Method	Payment method type.	bancontact bcmc blikoneclick boost cebuana duitnow duitnow_qr duit_nowqr_offline_mp ecpay eps fpx gcash giropay grabpay grabpay_offline ideal linepay mae maestro MC mbway multibanco p24 paymaya paysafecard payu pix promptpay_qr seven_eleven shopeepay touch_n_go truemoney trustly twint upi upi-ecom VISA NOTE: More payment methods are continuously added. Please ask your onboarding manager for the most recent list.		Informational Cash Flow MDR Funding Report IC++ Funding Report
Card Type	Card type. Only applicable when a card is in the payment method field (Visa, Mastercard, China UnionPay, America Express, Diners Club International). When not applicable this field will be left empty. Can be as follows: Credit Card Debit Card Prepaid Card Charge Card	CC DC PC RC	Text, as defined in Supported Options column	Informational Cash Flow MDR Funding Report IC++ Funding Report
Acceptance Channel	Channel that the transaction was accepted on. Can be as follows: Ecommerce In-store Mail order/telephone order	ecom POS MOTO	Text, as defined in Supported Options column	Informational Cash Flow MDR Funding Report IC++ Funding Report
RRN	Transaction Retrieval Reference Number (RRN). When not applicable this field will be left empty.		123456789012	Informational Cash Flow MDR Funding Report IC++ Funding Report
ARN	Transaction Acquirer Reference Number (ARN). When not applicable this field will be left empty.		23456789 0123	Informational Cash Flow MDR Funding Report IC++ Funding Report
Billing Date	Date fees are calculated for billing by Nomupay.		YYYY-MM-DD	Informational Cash Flow MDR Funding Report IC++ Funding Report
Authorization Code	Authorisation code returned by the scheme. When not applicable this field will be left empty.		123456	Informational Cash Flow MDR Funding Report IC++ Funding Report
Response Code	Response code returned by the issuer. When not applicable this field will be left empty.		0	Informational Cash Flow MDR Funding Report IC++ Funding Report
Issuer locality	Issuer locality. When not applicable this field will be left empty. Can be as follows: Local transaction Foreign transaction Regional transaction	Local Foreign Regional	Text, as defined in Supported Options column	Informational Cash Flow MDR Funding Report IC++ Funding Report
Issuer country	Payment method issuer country. Country two letter code ISO 3166-1 Alpha 2		HK	Informational Cash Flow MDR Funding Report IC++ Funding Report
MCC	Merchant category code. Identifier that classifies a business by the type of goods or services it provides.		1234	Informational Cash Flow MDR Funding Report IC++ Funding Report
Terminal ID	Unique ID assigned by NomuPay to terminals.		87654321	Informational Cash Flow MDR Funding Report IC++ Funding Report
Terminal Batch	End of day ID assigned to in-store processing.		12345678	Informational Cash Flow MDR Funding Report IC++ Funding Report
MID	Unique merchant ID assigned by the processor.		987654321 987	Informational Cash Flow MDR Funding Report IC++ Funding Report
Store ID	Unique Location ID assigned by NomuPay preceded by the LID identifier.		LID-123456789	Informational Cash Flow MDR Funding Report IC++ Funding Report
Store Name	Unique name assigned to each store.		HAPPY STORE	Informational Cash Flow MDR Funding Report IC++ Funding Report
Store country	Store’s country location. Applicable to digital ecommerce stores and physical stores. Country two letter code ISO 3166-1 Alpha 2		HK	Informational Cash Flow MDR Funding Report IC++ Funding Report
Store City	Store’s city location. Applicable to digital ecommerce stores and physical stores.		KOWLOON	Informational Cash Flow MDR Funding Report IC++ Funding Report
Account ID	Unique merchant identifier assigned during onboarding preceded by the EID identifier.		EID-123456789	Informational Cash Flow MDR Funding Report IC++ Funding Report
Account Name	Merchant’s legal entity name.		HAPPY STORE SUPPLIES LTD.	Informational Cash Flow MDR Funding Report IC++ Funding Report
Card Number	Masked account number. This field is used for all payment method account types (not just cards) if/when applicable.		553312XX XXXX1234	Informational Cash Flow MDR Funding Report IC++ Funding Report
Merchant Reference	Arbitrary text provided by the merchant.		Free-text	Informational Cash Flow MDR Funding Report IC++ Funding Report
Gateway Reference	Unique ID shared by partner processor.		Free-text	Informational Cash Flow MDR Funding Report IC++ Funding Report
Remarks	Additional info on transaction (Optional).		Free-text	Informational Cash Flow MDR Funding Report IC++ Funding Report
Interchange Amount	Fee due to the issuer of the card. Two decimal digits. Amounts are formatted using a dot (".") Amount is preceded with a (-) sign in instances where the amount has been deducted.		200.50 or -200.50 (for a deduction)	IC++ Funding Report
Interchange Currency	Interchange fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Pre-Authorization Amount	Fee due to the scheme for the usage of the pre-authorisation transaction (each pre-authorisation is billed). Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with a (-) sign in instances where the amount has been deducted.		100.50 or -100.50 (for a deduction)	IC++ Funding Report
Pre-Authorization Currency	Pre-authorisation scheme fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Authorization Amount	Fee due to the scheme for the authorisation transaction. Two decimal digits. Amounts are formatted using a dot (".") Amount is preceded with a (-) sign in instances where the amount has been deducted.		200.50 or -200.50 (for a deduction)	IC++ Funding Report
Authorization Currency	Authorisation scheme fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Three Ds Amount	Fee due to the scheme for the usage of 3D Secure authentication. Two decimal digits. Amounts are formatted using a dot (".") Amount is preceded with a (-) sign in instances where the amount has been deducted.		342.50 or -342.50 (for a deduction)	IC++ Funding Report
Three Ds Currency	3DS scheme fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Non Three Ds Amount	Fee is due to the scheme for insecure transaction, without usage of 3D Secure authentication. Two decimal digits. Amounts are formatted using a dot (".") Amount is preceded with a (-) sign in instances where the amount has been deducted.		1100.50 or -1100.50 (for a deduction)	IC++ Funding Report
Non Three Ds Currency	Non-3DS scheme fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Cross Border Amount	Fee is due to the scheme for a transaction where the country of the merchant differs from the country of the issuer. Two decimal digits. Amounts are formatted using a dot (".") Amount is preceded with a (-) sign in instances where the amount has been deducted.		900.50 or -900.50 (for a deduction)	IC++ Funding Report
Cross Border Currency	Cross border scheme fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Cross Currency Amount	Fee due to the scheme for a transaction where the merchant country currency differs from the transaction currency. Two decimal digits. Amounts are formatted using a dot ("."). Amount is preceded with a (-) sign in instances where the amount has been deducted.		1243.50 or -1243.50 (for a deduction)	IC++ Funding Report
Cross Currency Currency	Cross currency scheme fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Clearing Amount	Fee due to the scheme for each financial transaction initiated by the merchant (purchase and refund). Two decimal digits. Amounts are formatted using a dot (".") Amount is preceded with a (-) sign in instances where the amount has been deducted.		300.50 or -300.50 (for a deduction)	IC++ Funding Report
Clearing Currency	Clearing scheme fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Scheme Fee Bucket Amount	Sum of all the other scheme fees which cannot be otherwise categorised. Two decimal digits. Amounts are formatted using a dot (".") Amount is preceded with a (-) sign in instances where the amount has been deducted.		12.50 or -12.50 (for a deduction)	IC++ Funding Report
Scheme Fee Bucket Currency	Scheme fee bucket currency. Currency three letter code ISO 4217-Alpha 3.		HKD	IC++ Funding Report
Payout ID	Unique identify of the payout wallet.		POW-012345678 912345	Informational Cash Flow
Merchant ISO ID	Unique partner identifier assigned by during onboarding preceded by the PID identifier.		PID-123456789	Informational Cash Flow MDR Funding Report IC++ Funding Report NOTE: Field only applicable in the email version of the reports.
Gateway Fee Amount	Gateway fee amount. Two decimal digits. Amounts are formatted using a dot (".") Amount is preceded with a (-) sign in instances where the Gateway Fee has been deducted. It can be at transaction level or applied in lumpsum, for all gateway events of the previous day.		13.67 or -13.67 (for a deduction)	Informational Cash Flow MDR Funding Report IC++ Funding Report
Gateway Fee Currency	Gateway fee currency. Currency three letter code ISO 4217-Alpha 3.		HKD	Informational Cash Flow MDR Funding Report IC++ Funding Report
Expected Funding Date	Date that Nomupay expects to fund the merchant’s nominated funding account.		YYYY-MM-DD	Informational Cash Flow
Order Description	Arbitrary text provided by the merchant.		Free-text	Informational Cash Flow
Merchant ISO ID	Unique partner identifier assigned by during onboarding preceded by the PID identifier.		PID-123456789	MDR Funding Report IC++ Funding Report NOTE: Field only applicable in the SFTP version of the reports.

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