1.1 Introduction
Thredd provides a number of daily reports, containing details of transactions processed on the system during the past 24 hours. This includes both authorisations and financial transactions for the Visa and Mastercard card schemes (payment networks), as well as MNE (Mastercard Networks Exchange)
A US PIN debit network provider for opening access to US debit networks.. As a program manager, you receive reports daily reports from Threddthat are delivered to you using 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.
Figure 1: Global Transaction Reporting
1.1 Types of Reports
Thredd provides the following daily reports to Program Managers:
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Clearing Report — contains details of financials, interchange fees, chargebacks and other presentment data.
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Non-Clearing Report — contains details of daily authorisations, loads and unloads, Thredd fees and other authorisation data.
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Balance Report — provides details of the balance on each card, at your chosen cut-off time.
Thredd distributes two additional reports to Issuers (BIN sponsors) and Self-Issuers:
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Fee Collection Report — gives a summary of Scheme (VISA/Mastercard/MNE) 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 on a daily basis. -
Quarterly Scheme Report — contains information needed to complete your scheme regulatory reporting for Mastercard's Quarterly Management Reports and Visa's Global Operating Certificates. This report is sent on a quarterly basis.
Clearing and Non-Clearing Reports
The Non-Clearing Report provides data relating to authorisations, loads/unloads, balance adjustments (via webservices). The report also includes cardholder fees generated by Thredd (you have set up in your fee groups) and other Thredd data.
The Clearing Report provides details on financials, interchange fees and chargebacks.
You can use these reports to reconcile against Mastercard or Visa settlement advices. You can also use the reports 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 clearing and non-clearing data reports are described in this guide.
Balance Report
The Balance Report is relevant where Thredd maintains details of card balances, such as in the following EHI modes: Cooperative Processing (mode 2), Full Service Processing (mode 3), Gateway Processing with STIP (mode 4) and Gateway Processing with STIP (mode 5). This report provides details of the balance on each card at the time of your chosen cut-off and generation. You can use this report to confirm how much money is on the card according to Thredd systems (where Thredd maintain the balance). You can compare this to information you hold in your local card database.
Fee Collection Report
The Fee Collection Report is a daily summary of Scheme (Mastercard/Visa/MNE) fees by ICA and currency for reconciling against the Mastercard/Visa/MNE Settlement summary reports. The report is provided to issuers and self-issuers. It includes transaction categories such as Interregional non-financial ATM transaction fees, and fees for ATM PIN management and ATM Balance Inquiry fees. For more information, contact your Thredd Implementation Manager or Account Manager.
Quarterly Scheme Report
The Quarterly Scheme Report contains quarterly data needed to fill in/submit the quarterly scheme reports:
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Mastercard — Quarterly Management Reports
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VISA — Global Operation Certificates
The report include details such as the number of live cards, cards issued, and information on card activity and status. This report is provided to issuers and self-issuers. For more information, contact your Thredd Implementation Manager or Account Manager.