1.1 Introduction

Thredd provide a number of daily XML reports, containing details of transactions processed on the system during the past 24 hours.

This includes both authorisations and financial transactions.

Reports are provided by Secure File Transfer Protocol Secure File Transfer Protocol. File Transfer Protocol (FTP) is a popular unencrypted method of transferring files between two remote systems. SFTP (SSH File Transfer Protocol, or Secure File Transfer Protocol) is a separate protocol packaged with SSH that works in a similar way but over a secure connection. (sFTP).

XML Reports

Figure 1: XML Reporting

1.1.1 Types of XML Reports

Thredd provides the following daily reports to Program Managers:

Transaction XML Report - contains details of daily transactions
Balance XML Report - provides details of the balance on each card

For Issuers and Self-Issuers, Thredd provides two additional reports:

Fee Collection Report - daily report which gives a summary of Scheme (VISA/Mastercard) Fees by ICA The Interbank Card Association Number (ICA) is a five-digit number assigned by MasterCard to a financial institution, third-party processor or other member to identify the member in the transaction. and currency
Quarterly Management Report (QMR) - quarterly report which contains information needed to complete your regulatory Quarterly Management Report

Transaction XML Report

The Transaction XML report provides details of authorisation and financial advices and any other non-scheme transactions that take place, such as card loads/unloads, balance adjustments (via web services), cardholder fees generated by Thredd (you have set up in your fee groups), network scheme fees.

You can use this report to reconcile against Mastercard or Visa settlement advises.

You can also use it to reconcile with data received from EHI The External Host Interface provides a facility to enable exchange of data between Thredd and external systems via our web services. All transaction data processed by Thredd is transferred to the External Host side via EHI in real time. For certain types of transactions, such as Authorisations, the External Host can participate in payment transaction authorisation..

The format and content of the transaction XML report is described in this guide.

Balance XML Report

Balance XML reports are relevant where Thredd maintains details of card balances, such as in EHI modes 2, 3 and 4 or where EHI is not being used.

The Balance XML report provides details of the balance on each card as at midnight UK time1 or the time when the XML is run (configurable). You can use this report to confirm how much money is on the card according to Thredd system's (where Thredd maintain the balance). You can compare this to information you hold in your local card database. For more information, see the Balance XML Reporting Guide.

Fee Collection Report

Fee Collection reports are provided to issuers and self-issuers.

The report is a daily summary of Scheme (Mastercard/Visa) fees by ICA and currency and can be used to reconcile against the Mastercard/Visa Settlement summary reports. It includes transaction categories such as Interregional non-financial ATM transaction fees, fees for ATM PIN management and ATM Balance Inquiry fees. For more information, contact your Thredd Implementation Manager or Account Manager.

Quarterly Management Report (QMR)

Quarterly Management reports (Mastercard and Quarterly Operating Certificate - Visa) are provided to issuers and self-issuers.

The report provides details needed for quarterly reporting to the Scheme, and includes details such as the number of live cards, card issued, and information on card activity and status. For more information, contact your Thredd Implementation Manager or Account Manager.