Reconciliation

Reconciliation is the process of performing checks and balances of captured transactions between the Acceptor (terminal) and the Acquirer (IPG host) for a given reconciliation period. The reconciliation process is performed by and administrative transaction exchange at the end of the reconciliation period (workday or work shift). The terminal accumulates total amounts for transactions performed during the current reconciliation period and includes them in the reconciliation request. IPG accumulates the total amounts in its own counters and compares them with the totals received from the terminal. Any difference in totals will be indicated in the reconciliation response message, but resolving the actual discrepancy is a separate process, outside the scope of the Acquirer protocol. Reconciliation is implemented in the nexo Acquirer protocol using AcceptorReconciliationRequest/AcceptorReconciliationResponse.

Totals are provided in the reconciliation message exchange as a list sections consisting of the following data elements under TxTtls:

The logic for grouping transactions under a specific type is below:

• Credit: Refund
• Debit: purchase (all types), completion
• Cancelled Credit: cancellation of Credit. Automatic reversal is not considered reversal.
• Cancelled Debit: cancellation of Debit. Automatic reversal is not considered reversal.
• Aborted: aborted before or after response from IPG
• Declined: declined response from IPG or declined by card

The following transactions are not counted for reconciliation purposes (all transactions that DO NOT result in a billing/funding):

• Diagnostic messages
• Reconciliation message
• Preauthorization, Update Pre-authorization, Cancel of Preauth
• Balance Inquiry (used for Pre-authorization transactions)
• DCC Rate Inquiry
• Card verification (Card Validity check)

Cutover

Cutover (also referred to as "Cutoff") is the formal process of switching from the current to next terminal business day. nexo Acquirer protocol does not support a method for pure terminal cutover. Fiserv will support the terminal cutover function by defining a cutover window for merchants that will require this functionality or it can be agreed that triggering a cutover is possible at any time.

In order to trigger the cutover in downstreaming system the reconciliation message has to include the parameter 'ClsPrd' = TRUE. Please note this feature is limited to a few authorization platforms (e.g. German authorization system 'Poseidon') and needs to be agreed with the gateway (IPG) team.

In this context the cutover can either be done on terminal level by including Envt/POIId/Id in the reconciliation request or on IPG store level by not sending the Envt/POIId/Id.

Without agreement the reconcilaition message along with the parameter ClsPrd with value 'True' will only close the reconciliation period.

Message Layout

AcceptorReconciliationRequestV06 - caaa.009.001.06

Tag	Description	Presence
Tx/RcncltnTxId/TxRef	Reference-ID of transaction. Used as trace-number, format 999999 Format: Max6Numeric Other length: e.g. for pre-authorizations done with an alternative payment method (APM): 35 digits or 12 digits with leading zeroes	m
Tx/RcncltnTxId/TxDtTm	Copied from request	m
Tx/RcncltnId	Copied from request	m
Tx/TxTtls	List of reconciliation elements. At least one is returned in response.	m
Tx/TxTtls/POIGrpId	To be populated with IPG/gateway store ID	m
Tx/TxTtls/CardPdctPrfl	Related to Envt/Card/CardPdctPrfl in AcceptorAuthorisationRequest, AcceptorAuthorisationAdvice, AcceptorCompletionAdvice. Required for grouping in the reconciliation report (which does not allow grouping by brand) should reflect the grouping that the terminals prints in its EoD.	o
Tx/TxTtls/Ccy	Currency	m
Tx/TxTtls/Tp	Type of transaction (Credit (=credits to the customer), CreditReverse (=voids of credits), Debit (=normal payments), DebitReverse (=voids of normal payments), Decline, Failed): Differences in Decline and Failed do not cause a failure of the reconciliation.	m
Tx/TxTtls/TtlNb	Number of transactions	m
Tx/TxTtls/CmltvAmt	Amount	m
SctyTrlr/AuthntcdData	MAC . May be disabled or set to optional by a parameter. If set to optional, a message without MAC is accepted and the response will not contain a MAC.	o

AcceptorReconciliationResponseV05 - caaa.010.001.05

Tag	Description	Presence
Tx/RcncltnTxId/TxRef	Reference-ID of transaction. Used as trace-number, format 999999 Format: Max6Numeric Other length: e.g. for pre-authorizations done with an alternative payment method (APM): 35 digits or 12 digits with leading zeroes	m
Tx/RcncltnTxId/TxDtTm	Date time of reconciliation	m
Tx/RcncltnId	Reconciliation ID, this transaction belongs to.	m
Tx/TxTtls	List of reconciliation elements. At least one is expected.	m
Tx/TxTtls/POIGrpId	To be populated with IPG/gateway store ID	m
Tx/TxTtls/CardPdctPrfl	Related to Envt/Card/CardPdctPrfl in AcceptorAuthorisationRequest, AcceptorAuthorisationAdvice, AcceptorCompletionAdvice. Required for grouping in the reconciliation report (which does not allow grouping by brand) should reflect the grouping that the terminals prints in its EoD.	o
Tx/TxTtls/Ccy	Currency	m
Tx/TxTtls/Tp	Type of transaction (Credit (=credits to the customer), CreditReverse (=voids of credits), Debit (=normal payments), DebitReverse (=voids of normal payments), Decline, Failed): Differences in Decline and Failed do not cause a failure of the reconciliation.	m
Tx/TxTtls/TtlNb	Number of transactions	m
Tx/TxTtls/CmltvAmt	Amount	m
SctyTrlr/AuthntcdData	MAC . May be disabled or set to optional by a parameter. If set to optional, a message without MAC is accepted and the response will not contain a MAC.	o