Riverty Consolidated Electronic Payment Advice

For reconciliation purposes, specifically designed for Partner’s integrations, we provide you with a Consolidated Electronic Payment Advice (C-EPA). Format and structure wise, C-EPA is identical to standard EPA. Unlike standard EPA, C-EPA can contain transactions of multiple merchants which are operating under the same partner umbrella. Also, header of C-EPA will contain total settlement amount towards partner, for all merchants belonging to that respective partner.

The C-EPA file contains Comma-Separated Values (CSV) with payment information that occurred during the Settlement Period.
The C-EPA file format can be used in a single- or multicurrency environment. The C-EPA format consists of two main elements:

• Header: contains consolidated information of the specific C-EPA file.
• Transactions: details on single or multiple lines with transaction information.

With intermittent rounding to 2 decimals, the total amount of all transaction Total Settlement Amount added up might not equal the Total Settlement Amount. The Total Settlement Amount mentioned in the C-EPA header should always equal the amount actually transferred to the bank account, unless previous settlement balance was negative. The individual line items are rounded to 2 decimals.

Consolidated EPA Header

The header is the first row in the CSV file, presenting summed amounts and general information. Example:

H,EUR,99850567,99988877,104988,33322,22211,0,22211,256,0,77755532,83838345,20230126,NET,NL15ABNA01234567

The header is the first line within a C-EPA file and always starts with ‘H’ (for Header). Table one below describes the other variables in the header and their format.

Variable Name	Type	Validation
record_type	String (1)	Constant string with ‘H’ for Header
payout_currency	String (3)	The settlement currency in ISO 4217, all caps. Example: “EUR”
total_settlement_amount	Integer	The total settlement amount. Calculated in following way: total_sale_amount - total_fee_amount - total_refund_amount - total_chargeback_amount - total_holdback_amount + total_release_amount. Example: 99988877 for EUR 999888,7711
total_sale_amount	Integer	The total sale amount. Example: 99988877 for EUR 999888,7711
total_fee_amount	Integer	The total fee amount, service fees charged by Riverty. Example: 499944 for EUR 4999,4411
total_refund_amount	Integer	The total refund amount, presenting returns by the customer. Example: 33322 for EUR 333,2111
total_chargeback_amount	Integer	The total chargeback amount, presenting disputes, where merchant is obliged to refund the customer (e.g. Fraud or goods not delivered). Example: 22211 for EUR 222,111
total_holdback_amount	Integer	The total holdback amount, presenting the amount that Riverty is holding back (rolling reserve). Reason for holdback is merchant exceeding the advanced payment limit (credit limit) amount, which covers for future refunds or other security reason. Example: 230 for EUR 222,111
total_release_amount	Integer	The total release amount, presenting the amount that Riverty is releasing, which was previously held back due to the credit limit. Example: 22211 for EUR 222,111
number_of_transactions	Integer	The total number of transactions settled in this batch. Example: 2511
previous_settlement_balance	Integer	Previous settlement balance. Relevant for reconciliation, especially if previous payout was negative or delayed. Example: 99988877 for EUR 999888,7711
previous_payout	Integer	The total payout amount in the previous payout cycle. Example: 99988877 for EUR 999888,7711
payment_reference	Integer	The total sale amount. Example: 99988877 for EUR 999888,7711
payout_date	YYYYMMDD	The date of the payout. Example: 20221125
merchant_settlement_type	String	NET - Riverty fees are deducted from the payout. GROSS - Full amount is transferred to the merchant, fees are not deducted
bank_account	String	The bank account in IBAN format of the merchant to be used for pay out. Example: NL15ABNA01234567

Consolidated EPA Transactions

Directly below the header line are the transactions. Every line corresponds with one single transaction. The amount of transactions in the C-EPA file is depicted in the C-EPA header. Example:

D,SALE,2019888111,20220822,9999,EUR,OFS400019761,7915236894369412A601122,7915236894369412A601122,OFS400019761

Transaction records within an C-EPA file always starts with ‘D’ (for Detail). The table below describes the other variables in the transaction records and their format.

Variable Name	Type	Validation
record_type	String (1)	Constant string with ‘D’ for Details
type	String	SALE - captured order REFUND - returned order FEE - service fees charged by Riverty HOLDBACK - amount held back by Riverty RELEASE - amount released by Riverty CHARGEBACK - disputes, where merchant is obliged to refund the customer (e.g. Fraud or goods not delivered) DISPUTE - dispute fee related to chargeback OTHER - other types that are not covered by any above listed
CID	String	The Contract ID Example: 2019888111. Contract ID was provided to the merchant/partner during the onboarding process.
transaction_date	YYYYMMDD	The capture, refund or any other type date of the transaction event. Example: 20221125
amount	Integer	The original transaction amount, with two digits in the fractional part but no decimal point. Example: 29950 for EUR 299.50
currency	String	ISO 4217, all caps. Example: “EUR”
order_no	String	Order Number related to the transaction, submitted by merchant during authorization call. Example: OFS400019761. Mandatory
transaction_no	String	Invoice Number (captures) or Credit Note Number (refunds). If not submitted by merchant, generated by Riverty Example: 7915236894369412A601122
transaction_reference	String	If passed by merchant, we will present it here. Otherwise, this field will be empty (null value)
parent_transaction_reference	String	The Parent Transaction Reference may be passed by the Payment Service Provider during through the authorization or capture calls. If passed, we will present it here. Otherwise, this field will be empty (null value)

Naming Structure / Convention

EPA(ContractID.PayOutReference.CreationDate_CountryCode).csv

Example: EPA2019888111.2222555.20220822_DE.csv