1. Settlement Flow
BNC has two types of settlement:
A. T+0; settle immediately to partner’s account
Based on the agreement between BNC and the merchant for real-time settlement, each transaction will be reconciled and settled automatically from BNC internal account to merchant account in BNC in real-time. BNC will send the settlement file on T+1 calendar days (includes Saturday, Sunday, and public holiday) at 09.00 AM JKT to merchant’s registered email. The report content will include T-1 transaction from 00.00 – 23.59 JKT Time
B. T+1; settle the next day to partner’s account
BNC will perform manual clearing on BNC internal system every day at 11 PM JKT at the latest (subject to T-1 transaction) and furthermore the fund will be settled automatically from BNC internal account to merchant account in BNC on T+1. The settlement file will be sent on T+1 calendar days (includes Saturday, Sunday, and public holiday) at 09.00 AM JKT to merchant’s registered email. The report content will include T-1 transaction from 00.00 – 23.59 JKT time
2. File Content
a. The file format used is .csv and delimiter is comma
b. File name VIRTUAL_ACCOUNT_[CHANNEL_ID]_YYYYMMDD.csv
c. The following table is a list of the content of the settlement file report.
Field | Type | Length | M/O | Remarks |
|---|---|---|---|---|
PAYMENT_REQUEST_ID | String | Variable, 64 max | M | Unique reference ID generated by the partner system. If Payment comes from the Inquiry process, this value must be the same with inquiryRequestId |
REFERENCE_NO | String | Variable, 64 max | O | Payment auth code generated by Bank |
TRX_DATE_TIME | Datetime | Fixed, 25 max | O | Bank internal system datetime with timezone, which follows the ISO-8601 standard. Format YYYY-MM-DDTHH:mm:ss+07:00 |
VIRTUAL_ACCOUNT_NO | String | Variable, 28 max | M | partnerServiceId + customerNo |
VIRTUAL_ACCOUNT_NA ME | String | Variable, 50 max | M | Customer name |
HASHED_SOURCE_ACCO UNT_NO | String | Variable, 32 max | M | Source account number in hash |
CURRENCY | String | Variable, 3 max | M | 3-letter currency code, typically it’s IDR |
TOTAL_AMOUNT | Long | Variable, 32 max | M | Amount based on the minor currency |
PAID_AMOUNT | Long | Variable, 32 max | M | Settled net amount |
FEE_AMOUNT | Long | Variable, 32 max | O | If fee calculate net off, put zero |
VALUE_ADDED_TAX | Long | Variable, 32 max | O | Put if value added tax exist |
WITH_HOLDING_TAX | Long | Variable, 32 max | O | Put if withholding tax exist |
3. Reference
Field Code | Field Name | Description | |
|---|---|---|---|
| 1 | M | Mandatory | Mandatory |
| 2 | ME | Mandatory Equal | Mandatory Equal – value in the request and the response must be the same. |
| 3 | C | Conditional | Conditional |
| 4 | CE | Conditional Equal | Conditional Equal – value in the request and the response must be the same. |
| 5 | O | Optional | Optional |