4.7 Transaction XML Example
Below is an example of a transaction XML report. For a description of the XML schema, see Transaction XML Schema.
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<?xml version="1.0" encoding="utf-8"?>
<Transactions>
<!-- Visa Accepted Auth on Multi-FX wallet card-->
<CardAuthorisation xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<RecType>ADV</RecType>
<AuthId>6459161819</AuthId>
<AuthTxnID>2289985143</AuthTxnID>
<LocalDate>20210727091051</LocalDate>
<SettlementDate>20210727</SettlementDate>
<Card PAN="45678923456789012" product="VISA" programid="VMFX1" branchcode="" productid="10001"/>
<Account no="7892345678" type="02"/>
<TxnCode direction="debit" Type="pos" Group="pos" ProcCode="000000" Partial="NA" FeeWaivedOff="0"/>
<TxnAmt value="22.0000" currency="978"/>
<CashbackAmt value="0.00" currency="978"/>
<BillAmt value="20.00" currency="826" rate="1.000000" clientfxrate="0.00000000"/>
<ApprCode>678123</ApprCode>
<Trace auditno="789234" origauditno="789234" Retrefno="025923146889"/>
<MerchCode>498750002308287</MerchCode>
<Term code="99999999" location="GOOGLE ADS2157005349 Dublin IE" street="" city="" country="IE" inputcapability="1" authcapability="12"/>
<Schema>VISA</Schema>
<Txn cardholderpresent="5" cardpresent="0" cardinputmethod="V" cardauthmethod="0" cardauthentity="0"/>
<MsgSource value="54" domesticMaestro="no"/>
<PaddingAmt value="0.00" currency="826"/>
<Rate_Fee value="0.00"/>
<Fixed_Fee value="0.00"/>
<CommissionAmt value="0.00" currency="826"/>
<Classification MCC="7311"/>
<Response approved="yes" actioncode="0" responsecode="00" additionaldesc=" Accepted by EHI GOOGLE ADS2157005349 Dublin IE"/>
<OrigTxnAmt value="22.00" currency="978"/>
<ReversalReason/>
</CardAuthorisation>
<CardFinancial xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<RecordType>ADV</RecordType>
<FinId>123456789</FinId>
<AuthId xsi:nil="true"/>
<PresentmentID>123456789</PresentmentID>
<LocalDate>20200831000000</LocalDate>
<SettlementDate>20200902</SettlementDate>
<SchemeSettlementDate>20200902</SchemeSettlementDate>
<SchemeReconciliationDate>20200901</SchemeReconciliationDate>
<CycleNumber>06</CycleNumber>
<Card PAN="1234567890123456" product="MCRD" programid="SAMPLE" branchcode="MAES" productid="1234"/>
<Account no="456789012" type="01"/>
<TxnCode direction="credit" Type="pos_re" Group="pos"/>
<TxnAmt value="109.9400" currency="978"/>
<CashbackAmt value="0.00" currency="978"/>
<BillAmt value="109.9400" currency="978" rate="1.000000"/>
<ApprCode> </ApprCode>
<Trace auditno="" origauditno="" Retrefno="123456789012"/>
<MerchCode>8042632</MerchCode>
<Term code=" " location="NORWEGIAN123456789012345" street="OKSENOYVEIEN 3" city="LYSAKER" country="NO" inputcapability="1" authcapability="0"/>
<Schema>MCRD</Schema>
<Txn cardholderpresent="0" cardpresent="1" cardinputmethod="1" cardauthmethod="0" cardauthentity="0"/>
<MsgSource value="67" domesticMaestro="no"/>
<Fee direction="debit" value="0.005300" currency="978" value2="0.0000"/>
<FeeAmt direction="debit" value="0.00" currency="978"/>
<FeeClass interchangeTransaction="no" type="1" code="1"/>
<SettlementAmt value="109.9400" currency="978" rate="1.000000"/>
<ARN>5518422024123456789012</ARN>
<FIID>010495</FIID>
<RIID>012181</RIID>
<ReasonCode>1401</ReasonCode>
<Classification MCC="3211"/>
<Response approved="yes"/>
<OrigTxnAmt value="109.9400" currency="978"/>
<CCAAmount value="0.00" currency="978" included="no"/>
<SettlementIndicator>0</SettlementIndicator>
<Additional_Amt_DE54/>
<BSA>3</BSA>
<FXConv bookingtype="P" bookingstatus="B" fxratebooked="1.2345000" providercode="CCI" fixedamountflag="B" settlementdate="20200902"/>
<PaymentToken id="23480180" creator="VISA-T" expdate="2023-12-31" type="CL" status="00" creatorstatus="A" wallet="GARMIN" devicetype="W" lang="en" activationexpiry="" activationmethod=""/>
</CardFinancial>
<CardFinancial xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<RecordType>ADV</RecordType>
<FinId>6470438861</FinId>
<AuthId>6458867997</AuthId>
<PresentmentID>1829291639</PresentmentID>
<LocalDate>20200901000000</LocalDate>
<SettlementDate>20200902</SettlementDate>
<SchemeSettlementDate>20200902</SchemeSettlementDate>
<SchemeReconciliationDate>20200902</SchemeReconciliationDate>
<CycleNumber>05</CycleNumber>
<Card PAN="4567891234567890" product="VISA" programid="VTEST1" branchcode="MAES" productid="1234"/>
<Account no="789123456" type="02"/>
<TxnCode direction="debit" Type="pos" Group="pos"/>
<TxnAmt value="1.8500" currency="978"/>
<CashbackAmt value="0.00" currency="978"/>
<BillAmt value="1.8500" currency="978" rate="1.000000"/>
<ApprCode>156965</ApprCode>
<Trace auditno="149116" origauditno="149116" Retrefno=" "/>
<MerchCode>498750000011107</MerchCode>
<Term code=" " location="FACEBK M9TZVUJ592" street="" city="fb.me/ads" country="IE" inputcapability="1" authcapability="0"/>
<Schema>VISA</Schema>
<Txn cardholderpresent="5" cardpresent="0" cardinputmethod="V" cardauthmethod="0" cardauthentity="0"/>
<MsgSource value="54" domesticMaestro="no"/>
<Fee direction="credit" value="0.350000" currency="978"/>
<FeeAmt direction="debit" value="0.00" currency="978"/>
<FeeClass interchangeTransaction="no" type="1" code="1"/>
<SettlementAmt value="1.8500" currency="978" rate="1.000000"/>
<ARN>74987500259000648873528</ARN>
<FIID/>
<RIID/>
<ReasonCode>1401</ReasonCode>
<Classification MCC="7311"/>
<Response approved="yes"/>
<OrigTxnAmt value="1.8500" currency="978"/>
<CCAAmount value="0.00" currency="978" included="no"/>
<SettlementIndicator>0</SettlementIndicator>
<Additional_Amt_DE54>0040978D000000000000</Additional_Amt_DE54>
<BSA/>
</CardFinancial>
<CardChrgBackRepRes xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<RecordType>CB</RecordType>
<ChgbackRepresId>6468581823</ChgbackRepresId>
<LocalDate>20200901011841</LocalDate>
<SettlementDate>20200901</SettlementDate>
<Card PAN="2345678901234567" product="MCRD" programid="SAMPLE1" productid="2345" branchcode=""/>
<Account no="567890123" type="01"/>
<TxnCode direction="debit" Type="atm" Group="atm"/>
<TxnAmt value="0.0000" currency="826"/>
<CashbackAmt value="0.00" currency="826"/>
<BillAmt value="0.00" currency="826" rate="1.000000"/>
<ApprCode>152827</ApprCode>
<Trace auditno="007635" origauditno="007635" Retrefno="091200007635"/>
<MerchCode> </MerchCode>
<Term code="MID7Z61 " location="ROYAL BK OF SCOTLAND" street="TESCO OAK VALE EXP" city="OAKLEY VALE" country="GB" inputcapability="5" authcapability="1"/>
<Schema>MCRD</Schema>
<Txn cardholderpresent="0" cardpresent="1" cardinputmethod="5" cardauthmethod="1" cardauthentity="3" TVR="0"/>
<MsgSource value="67" domesticMaestro="no"/>
<Repeat>1</Repeat>
<SettlementAmt value="0.00" currency="826" rate="1.000000" date="20200915"/>
<Fee direction="debit" value="0.0000" currency="826"/>
<ARN>85433250256007635076354</ARN>
<FIID>003325</FIID>
<RIID>017962</RIID>
<ReasonCode>4834</ReasonCode>
<Classification MCC=""/>
<OrigTxnAmt value="30.0000" currency="826"/>
<PartialReversal>false</PartialReversal>
<SettlementCycle> </SettlementCycle>
<ReconciliationDate xsi:nil="true"/>
<ReconciliationCycle> </ReconciliationCycle>
<Usage>0</Usage>
<Pending_Billing_Amount>5.00</Pending_Billing_Amount>
<SettlementIndicator>0</SettlementIndicator>
<Additional_Amt_DE54/>
<ChargebackRefNum>9034102149</ChargebackRefNum>
</CardChrgBackRepRes>
<!-- SecondPresentment -->
<CardChrgBackRepRes xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<RecordType>REPRES</RecordType>
<ChgbackRepresId>6475787598</ChgbackRepresId>
<LocalDate>20200918005649</LocalDate>
<SettlementDate>20200918</SettlementDate>
<Card PAN="3456789012345678" product="MCRD" programid="SAMPLE2" productid="123" branchcode=""/>
<Account no="678901234" type="01"/>
<TxnCode direction="debit" Type="pos" Group="pos"/>
<TxnAmt value="336.8600" currency="840"/>
<CashbackAmt value="0.00" currency="826"/>
<BillAmt value="260.48" currency="826" rate="0.773259"/>
<ApprCode>172526</ApprCode>
<Trace auditno="" origauditno="" Retrefno=" "/>
<MerchCode>002401002167 </MerchCode>
<Term code="60019389" location="BANGKOK AIRWAYS" street="99 M.14 VIPHAWADEE-RANGSIT RD." city="BANGKOK" country="TH" inputcapability="0" authcapability="12"/>
<Schema>MCRD</Schema>
<Txn cardholderpresent="5" cardpresent="0" cardinputmethod="V" cardauthmethod="8" cardauthentity="8" TVR="0"/>
<MsgSource value="67" domesticMaestro="no"/>
<Repeat>2</Repeat>
<SettlementAmt value="260.48" currency="826" rate="0.773259" date="20200918"/>
<Fee direction="credit" value="5.2100" currency="826" value2="0.0000"/>
<ARN>05444829345002900600375</ARN>
<FIID>005698</FIID>
<RIID>012181</RIID>
<ReasonCode>2700</ReasonCode>
<Classification MCC=""/>
<OrigTxnAmt value="336.8600" currency="840"/>
<PartialReversal>false</PartialReversal>
<SettlementCycle>01</SettlementCycle>
<ReconciliationDate>20200918</ReconciliationDate>
<ReconciliationCycle>01</ReconciliationCycle>
<Usage>S</Usage>
<Pending_Billing_Amount>0.00</Pending_Billing_Amount>
<SettlementIndicator>0</SettlementIndicator>
<Additional_Amt_DE54/>
<ChargebackRefNum/>
</CardChrgBackRepRes>
<!-- CardFee matches CardFinancial -->
<CardFee xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<CardFeeId>1234567890</CardFeeId>
<LocalDate>20200831000000</LocalDate>
<SettlementDate>20200902</SettlementDate>
<Card PAN="1234567890123456" product="MCRD" programid="SAMPLE" branchcode="00000000" productid="1234"/>
<Account no="456789012" type="01"/>
<TxId>123456789</TxId>
<FeeClass interchangeTransaction="yes" type="5" code="0"/>
<LoadUnloadId>0</LoadUnloadId>
<Desc>Interchange Fee</Desc>
<FeeAmt direction="debit" value="2.200000" currency="978"/>
<Amt direction="debit" value="2.200000" currency="978"/>
<ReasonCode>7802</ReasonCode>
</CardFee>
<!-- CardFee matches REPRES -->
<CardFee xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<CardFeeId>1880771152</CardFeeId>
<LocalDate>20191210025400</LocalDate>
<SettlementDate>20200918</SettlementDate>
<Card PAN="3456789012345678" product="MCRD" programid="SAMPLE2" branchcode="00000000" productid="123"/>
<Account no="678901234" type="01"/>
<TxId>6475787598</TxId>
<FeeClass interchangeTransaction="yes" type="4" code="0"/>
<LoadUnloadId>0</LoadUnloadId>
<Desc>Interchange Fee</Desc>
<FeeAmt direction="credit" value="6.740000" currency="840"/>
<Amt direction="credit" value="5.210000" currency="826"/>
<ReasonCode>7802</ReasonCode>
</CardFee>
<MasterCardFee xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<RecordType>FC</RecordType>
<MastercardFeeId>1234567</MastercardFeeId>
<MTID>1644</MTID>
<Function_Code_024>685</Function_Code_024>
<Conversion_Rate_Reconciliation_009>1.000000</Conversion_Rate_Reconciliation_009>
<Additional_Data_048>014800484020165001M03000259062008310000001906601779037200714424500374002000378001O0390017D00000000000000000391017C0000000000013949039201800D000000000000279039301800C0000000000000000394017C00000000000139490395016D0000000000002790396017C0000000000013670040001000000000000401010000000000204020100000000002</Additional_Data_048>
<LocalDate>20200901004727</LocalDate>
<SettlementDate/>
<FeeClass interchangeTransaction="no" type="0" code="0" memberID="012345"/>
<Desc/>
<FeeAmt direction="debit" value="2.7900" currency="840"/>
<Amt direction="debit" value="2.7900" currency="840"/>
<ReasonCode>6861</ReasonCode>
<Data_Record_072/>
<DE93_Txn_Dest_ID>012345</DE93_Txn_Dest_ID>
<DE94_Txn_Orig_ID/>
<File_ID_PDS0105>T112.0012009010000001218101101 </File_ID_PDS0105>
<FileProcessDate>20200901004727</FileProcessDate>
<Recon date="" cycle=""/>
<Settlement date="" cycle=""/>
</MasterCardFee>
<CardLoadUnload xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<RecordType>LOAD</RecordType>
<LoadUnloadId>6474876238</LoadUnloadId>
<LocalDate>20200901195810</LocalDate>
<SettlementDate>20200901</SettlementDate>
<Card PAN="2345678901234567" product="MCRD" programid="SAMPLE1" productid="2345" branchcode="00000000"/>
<Account no="567890123" type="01"/>
<MerchCode/>
<Amount direction="credit" value="18.00" currency="826"/>
<Desc>Transfer from Vladyslav Testes </Desc>
<Load Source="48" Type="0" FixedFee="0.00" Rate_Fee="0.00"/>
</CardLoadUnload>
<ApprovedAgencyBanking xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<CashType>RCP</CashType>
<BankingId>6467146394</BankingId>
<SettlementDate>20200901</SettlementDate>
<Card PAN="2345678901234567" productid="2345" product="MCRD" programid="SAMPLE1" branchcode=""/>
<AgencyAccount no="567890123" type="01" sortcode="040083" bankacc="01234567" name="FRANK TESTES"/>
<External sortcode="110150" bankacc="12345678" name="M Sample"/>
<CashCode direction="credit" CashType="fpy" CashGroup="rcp"/>
<Desc> </Desc>
<CashAmt value="315.00" currency="826"/>
<Fee direction="credit" value="1.50" currency="826"/>
<BillAmt value="315.00" currency="826" rate="0"/>
</ApprovedAgencyBanking>
<DeclinedAgencyBanking xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<CashType>RCP</CashType>
<BankingId>6468106650</BankingId>
<SettlementDate>20200901</SettlementDate>
<Card PAN="2345678901234567" productid="1234" product="MCRD" programid="SAMPLE1" branchcode=""/>
<AgencyAccount no="77665544" type="01" sortcode="040083" bankacc="03344556" name="DUMITRU TESTER"/>
<External sortcode="201147" bankacc="22334455" name="HMRC SA"/>
<CashCode direction="credit" CashType="bac" CashGroup="rcp"/>
<Desc> </Desc>
<CashAmt value="4296.00" currency="826"/>
<DeclineReason>03</DeclineReason>
</DeclinedAgencyBanking>
<AgencyBankingFee xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<BankingFeeId>95010465</BankingFeeId>
<SettlementDate>20200901</SettlementDate>
<Card PAN="2345678901234567" productid="1234" product="MCRD" programid="SAMPLE1" branchcode=""/>
<AgencyAccount no="11223344" type="01" sortcode="040083" bankacc="01234567" name="FRANK PERSON"/>
<AbId>6467146394</AbId>
<Desc>PT:FPIN : ;SC:110150;Acc:11884567;Name:M Sample;Ref:Payment from M Sample: MONEY </Desc>
<Amt direction="debit" value="1.50" currency="826"/>
</AgencyBankingFee>
<CardBalAdjust xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<LocalDate>20200901085036</LocalDate>
<AdjustId>6470167587</AdjustId>
<SettlementDate>20200901</SettlementDate>
<Card PAN="2345678901234567" product="MCRD" programid="SAMPLE1" branchcode="00000000" productid="2345"/>
<Account no="567890123" type="01"/>
<Amount direction="credit" value="165.40" currency="826"/>
<MerchCode/>
<Desc>ADJ - Cheque</Desc>
<AdjustType>Actual</AdjustType>
</CardBalAdjust>
<CardEvent xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<Card PAN="2345678901234567" productid="2345"/>
<Event Type="Lost" Source="0" ActivationDate="" ConvertedDate="" StatCode="41" OldStatCode="00" Date="20200901192324"/>
</CardEvent>
<CardEvent xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<Card PAN="2345678901234567" productid="2345"/>
<Event Type="StatusChange" Source="0" ActivationDate="" ConvertedDate="" StatCode="00" OldStatCode="57" Date="20200901190835"/>
</CardEvent>
<!-- Wallet Transaction records for the above CardAuthorisation (AuthId=6459161819), showing movement of funds and then authorisation-->
<WalletTransaction xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<WalletTransactionId>278654</WalletTransactionId>
<TransactionId>6459161819</TransactionId>
<SequenceNumber>1</SequenceNumber>
<OperationType>6</OperationType>
<Source walletId="836" basecurrency="826" balancechange="-10.00" blockchange="0.00" newbalance="90.00" newblock="0.00"/>
<Destination walletid="1017" balancechange="11.00" blockchange="0.00" newbalance="22.00" newblock="0.00"/>
<Other amount="" currency=""/>
<FXRate>1.10</FXRate>
</WalletTransaction>
<WalletTransaction xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<WalletTransactionId>278655</WalletTransactionId>
<TransactionId>6459161819</TransactionId>
<SequenceNumber>2</SequenceNumber>
<OperationType>1</OperationType>
<Source walletId="1017" basecurrency="978" balancechange="0.00" blockchange="22.00" newbalance="22.00" newblock="22.00"/>
<Destination walletid="" balancechange="" blockchange="" newbalance="" newblock=""/>
<Other amount="22.00" currency="978"/>
<FXRate>1.00</FXRate>
</WalletTransaction>
<!--Stand-alone, unrelated WalletTransaction record representng the opening of a new wallet-->
<WalletTransaction xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<WalletTransactionId>278658</WalletTransactionId>
<TransactionId>8765432101</TransactionId>
<SequenceNumber>1</SequenceNumber>
<OperationType>10</OperationType>
<Source walletId="17836" basecurrency="826" balancechange="0.00" blockchange="0.00" newbalance="0.00" newblock="0.00"/>
<Destination walletid="" balancechange="" blockchange="" newbalance="" newblock=""/>
<Other amount="0.00" currency="764"/>
<FXRate>1.00</FXRate>
</WalletTransaction>
</Transactions>