1.1 Introduction

Thredd's Global Transaction Reporting provides transaction reports that you can receive at the local time you require, regardless of your organisation's timezone. This ensures that the sending of the reports are not fixed to a specific UTC time as set by Thredd. The reports contain details of transactions processed on the system during the past 24 hours, including authorisations and financial transactions for the Visa and Mastercard card schemes, as well as MNE (Mastercard Networks Exchange)Closed A US PIN debit network provider for opening access to US debit networks.and DGN (Discover Global Network).

Transaction reports use Thredd's XML reporting system for Global Transaction Reporting, which employs the Secure File Transfer Protocol (sFTP). In the reporting system, Thredd processes incoming requests from the Card Schemes (payment networks) using its real-time authorisation engine.

Figure 1: Global Transaction Reporting

1.1.1 Non-Clearing and Clearing Reports

Thredd's Global Transaction Reporting provides Non-clearing and Clearing reports for cardholder transactions.

The Non-Clearing Report includes data relating to authorisations, loads/unloads, balance adjustments (via webservices). The report also consists of 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 settlement advices. You can also use the reports to reconcile with data received from EHIClosed 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.

1.1.2 Other Types of Reports

In addition to Non-Clearing and Clearing reports, Thredd generates the:

  • Balance Report

  • Fee Collection Report

  • Quarterly Scheme Report

Balance Report

The Balance Report is relevant where Thredd maintains details of card balances, such as in EHI modes 2, 3 and 4 or where EHI is not being used. 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. Like the transaction reports, you can receive reports at the local time you require regardless of your organisation's time-zone.

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:

  • Mastercard — Quarterly Management Reports

  • VISA — Global Operation Certificates

  • Discover — Quarterly Scheme Report

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.