4.10 Non-Clearing Report Example
Below is an example of a Non-Clearing Report. For a description of the XML schema, see Non-Clearing Report XML Schema
Copy
<?xml version="1.0" encoding="utf-8"?>
<Transactions xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<CardAuthorisation>
<RecType>ADV</RecType>
<AuthId>13964964720</AuthId>
<AuthTxnID>6109323477</AuthTxnID>
<LocalDate>20240213210623</LocalDate>
<LocalDateUTC>0213210622</LocalDateUTC>
<SettlementDate>20240213</SettlementDate>
<Card PAN="5792883020032123" product="MCRD" programid="POCKIT05" productid="1463" branchcode="" />
<Account no="288302003" type="01" />
<TxnCode direction="debit" Type="pos" Group="pos" ProcCode="000000" Partial="NA" FeeWaivedOff="0" />
<TxnAmt value="8.99" currency="826" />
<CashbackAmt value="0.00" currency="826" />
<BillAmt value="8.99" currency="826" rate="1.000000" clientfxrate="0.00000000" />
<ApprCode>183785</ApprCode>
<Trace auditno="383521" origauditno="383521" Retrefno="404451383521" />
<MerchCode>057181000156182</MerchCode>
<Term code="00057181" location="Amazon Prime amzn.co.uk/pm GBR" street="" city="" country="GB" inputcapability="6" authcapability="12" />
<Schema>MCRD</Schema>
<Txn cardholderpresent="4" cardpresent="0" cardinputmethod="F" cardauthmethod="8" cardauthentity="8" />
<MsgSource value="67" 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="5968" />
<Response approved="no" actioncode="4" responsecode="51" additionaldesc="DR: Auth Amount :8.9900 Total :8.9900 Available Amount :0.0000 == Decline! Amazon Prime amzn.co.uk/pm GBR" />
<OrigTxnAmt value="8.99" currency="826" />
<ReversalReason />
<PaymentToken id="62381707" creator="MC-MDES" expdate="2026-09-30" type="CL" status="00" creatorstatus="A" wallet="MRCHTOKEN" devicetype="U" lang=" " activationexpiry="" activationmethod="" />
</CardAuthorisation>
<CardOnlineFinancial>
<RecType>ADV</RecType>
<OnlineFinId>3762559204</OnlineFinId>
<OnlineFinTxnId>0</OnlineFinTxnId>
<LocalDate>20200110000400</LocalDate>
<LocalDateUTC />
<SettlementDate>20200110</SettlementDate>
<SchemeSettlementDate />
<SchemeReconciliationDate />
<CycleNumber>1</CycleNumber>
<Card PAN="7593112748461123" product="VISA" programid="567" productid="5687" branchcode="" />
<Account no="311274846" type="02" />
<TxnCode direction="debit" Type="pos" Group="pos" ProcCode="000000" Partial="NA" FeeWaivedOff="0" />
<TxnAmt value="10.00" currency="826" />
<CashbackAmt value="0.00" currency="826" />
<BillAmt value="10.00" currency="826" rate="0.000000" clientfxrate="0.00000000" />
<SettlementAmt value="10.00" currency="826" rate="1.000000" />
<OrigTxnAmt value="10.00" currency="826" />
<Additional_Amt_DE54 />
<ApprCode />
<Trace auditno="862644" origauditno="862644" Retrefno="" />
<MerchCode />
<Term code="" location="" street="" city="" country="GB" inputcapability="0" authcapability="12" />
<Schema>VISA</Schema>
<Txn cardholderpresent="9" cardpresent="9" cardinputmethod="0" cardauthmethod="8" cardauthentity="8" />
<MsgSource value="54" domesticMaestro="no" />
<Rate_Fee value="0.00" />
<Fixed_Fee value="2.00" />
<CommissionAmt value="2.00" currency="826" />
<Classification MCC="" />
<Response approved="yes" actioncode="0" responsecode="" additionaldesc=" The Local Bank London GB" />
<ReversalReason />
<PaymentToken id="" creator="" expdate="" type="" status="" creatorstatus="" wallet="" devicetype="" lang="" activationexpiry="" activationmethod="" />
<FIID />
<SettlementIndicator />
<BSA />
</CardOnlineFinancial>
<CardFee>
<CardFeeId>13961469923</CardFeeId>
<LocalDate>20240213033057</LocalDate>
<SettlementDate>20240213</SettlementDate>
<Card PAN="1132466665781123" product="MCRD" programid="ONEUKA" productid="4368" branchcode="00000000" />
<Account no="246666578" type="01" />
<TxId>13961469923</TxId>
<FeeClass interchangeTransaction="no" type="1" code="1000" />
<LoadUnloadId>0</LoadUnloadId>
<Desc>CCB ATM A5600225 DOLNA BANYA BGR</Desc>
<FeeAmt value="0.50" currency="826" direction="debit" />
<Amt value="0.50" currency="826" direction="debit" />
<ReasonCode />
</CardFee>
<CardLoadUnload>
<RecordType>LOAD</RecordType>
<LoadUnloadId>13964492698</LoadUnloadId>
<LocalDate>20240213172407</LocalDate>
<SettlementDate>20240213</SettlementDate>
<Card PAN="5792883020134123" product="MCRD" programid="POCKIT05" productid="1463" branchcode="00000000" />
<Account no="288301830" type="01" />
<MerchCode />
<Amount value="5.05" currency="826" direction="credit" />
<Desc>Load from primary card: 5792883018303844</Desc>
<Load Source="79" Type="0" FixedFee="0.00" Rate_Fee="0.00" />
</CardLoadUnload>
<CardBalAdjust>
<LocalDate>20240213010242</LocalDate>
<AdjustId>13961012925</AdjustId>
<SettlementDate>20240213</SettlementDate>
<Card PAN="5271278671128123" product="MCRD" programid="POCKIT01" productid="1297" branchcode="00000000" />
<Account no="127867112" type="01" />
<Amount value="1.99" currency="826" direction="debit" />
<MerchCode />
<Desc>Monthly fee for 02-2024_ReferenceToDisplay=Pockit Standard</Desc>
<AdjustType>Actual</AdjustType>
</CardBalAdjust>
<CardEvent>
<Card PAN="5793048251657123" productid="1463" />
<Event Type="Activation" Source="2" ActivationDate="20240213161108" StatCode="" OldStatCode="" Date="20240213161108" transactionid="" />
</CardEvent>
<ApprovedAgencyBanking>
<CashType>RCP</CashType>
<BankingId>13962099212</BankingId>
<SettlementDate>20240213</SettlementDate>
<Card PAN="1132466669224123" product="MCRD" programid="ONEUKA" productid="4368" branchcode="" />
<AgencyAccount no="246666922" type="01" sortcode="040083" bankacc="02548356" name="Emilia Ionita" />
<External sortcode="401000" bankacc="94771656" name="COICEA M" />
<CashCode direction="credit" CashType="fpy" CashGroup="rcp" />
<Desc> </Desc>
<CashAmt value="60.00" currency="826" />
<Fee value="1.25" currency="826" direction="credit" />
<BillAmt value="60.00" currency="826" rate="0" />
</ApprovedAgencyBanking>
<DeclinedAgencyBanking>
<CashType>RCP</CashType>
<BankingId>13962741416</BankingId>
<SettlementDate>20240213</SettlementDate>
<Card PAN="1132735542365123" product="MCRD" programid="ONEUKA" productid="4368" branchcode="" />
<AgencyAccount no="273554236" type="01" sortcode="040083" bankacc="01665839" name="Daniel Velichkov" />
<External sortcode="TRWIBE" bankacc="P1508951" name="Daniel Velichkov" />
<CashCode direction="credit" CashType="fpy" CashGroup="rcp" />
<Desc> </Desc>
<CashAmt value="5.00" currency="826" />
<DeclineReason>00</DeclineReason>
</DeclinedAgencyBanking>
<AgencyBankingFee>
<BankingFeeId>205748779</BankingFeeId>
<SettlementDate>20240213</SettlementDate>
<Card PAN="1132466669224123" product="MCRD" programid="ONEUKA" productid="4368" branchcode="" />
<AgencyAccount no="246666922" type="01" sortcode="040083" bankacc="02548356" name="Emilia Ionita" />
<AbId>13962099212</AbId>
<Desc>PT:FPIN : ;SC:401000;Acc:94771656;Name:COICEA M;Ref:Payment from COICEA M: gift</Desc>
<Amt value="1.25" currency="826" direction="debit" />
</AgencyBankingFee>
</Transactions>