TabaPay Unified Reporting
Welcome to TabaPay Reporting! As part of our unified experiences, TabaPay offers our TabaPay Clients and Sponsor Banks transparent and detailed reporting.
Merchants
Invoices
Sponsor BanksTabaPay Reports
Standard TabaPay Reports involve generating daily/weekly/monthly reports and invoices to TabaPay Clients as well as reporting to Sponsor Banks.
Reports to TabaPay Clients
| Name of Report | About the Report |
|---|---|
| AML Transactions (Daily) | Generated based on desired thresholds configured by the merchant. |
| Chargebacks (Daily) | Lists all cases opened in the past 150 days and their current status. For most case types, the merchant receives a provisional credit at the time of representment (ie when the merchant’s evidence is submitted to the network/issuer to dispute a chargeback case). This means that when a chargeback case reaches its final status funds may not move because the merchant has already been credited, hence the importance of referring to the Chargeback Status Mapping table for the Chargebacks reports. |
| Exceptions (Daily) | The Exceptions Report is generated daily. If there are no exceptions for the day, then an empty report is generated (header only). Chargebacks, returns, and adjustments are included in this file. The exception transaction is posted to the file the day TabaPay receives notification of the exception. |
| FX Rates Report | Published FX Rates by the network for Cross-border Push to Card. Note: Only applicable to programs that originate cross-border transactions. |
| Interchange (Daily) | The interchange report shows the actual interchange to be charged by network and card type category. The transaction report shows the indicative rate (estimate), the interchange report shows actual interchange. |
| Reported Fraud (Daily) | This daily report contains the purchase (pull/debit) transactions that have been reported as fraudulent by the cardholder/cardholder’s issuing bank to Mastercard and Visa. |
| Summary (Daily) | Shows the debits and credits to the merchant settlement account. The Transaction detail will reconcile the Summary report. |
| Transactions (Daily) | Contains settlement details about activity sent through the Transactions API, including reversals. Transactions originated before network cutoff times are included in this report. The daily transaction report is available by 9am PT. |
| Updated Accounts (Daily, Updated Weekly) | The Daily Account Updater report provides the merchant with any changed cards, updated by the Issuer, for cards stored on TabaPay’s system, with a token provided to the merchant. Note: Only available for clients who are enabled for TabaPay Account Updater |
Invoices to TabaPay Clients
| Name of Invoice | Invoice Details |
|---|---|
| Invoice (Monthly) | The Merchant Statement is available within 7 days after the end of the month. The merchant statement lists all the transactions with network fees per transaction, interchange due for merchant, total fees due, as well as Reserve balance and any changes to the Reserve during the month. The Merchant Statement is available within the TabaPay portal, under invoices. |
| Monthly Account Summary (Monthly) | Merchant Summary Report of transactions, fees and settlement including purchases, refunds, chargebacks, and fees paid to networks. |
| Transactions (Monthly) | Mirrors the format of the Transactions (Daily) reports, but also contains exception records. |
| Value Added Services (Monthly) | Provides a breakdown of network fees related to value-added services, including AVS, account updater, and and Account Name Inquiry. |
TabaPay Reports to Sponsor Banks
| Name of Report | About |
|---|---|
| AML Summary | Summary of flagged AML activity totaled at ISO+MID level for the current date |
| AML Transactions | Individual AML flagged transactions for the current date |
| Bank Detail | Detailed Settlement activity broken down at the ISO + MID level for each network and activity type. |
| Bank Settlement | Contains settlement counts, amounts, and type across all networks and merchants for the bank which can be used to verify daily settlement activity. |
| Chargebacks (Daily) | Lists all cases opened in the past 150 days and their current status. The chargebacks report can be used by teams that handle dispute operations to view the current status of a chargeback case. |
| Exceptions (Daily) | Can be used by treasury and accounting teams to reconcile funds movement associated with exception items. Chargebacks, returns, and adjustments are included in this file. |
| Merchants (Daily) | Includes a list of the merchants under a sponsor bank. |
| Reported Fraud | Fraudulent transactions reported by the networks for transactions processed by the bank |
| Summary MTD | Summary of transaction activity at the ISO + MID level month to date. |
| Transaction Detail (Daily) | Contains settlement details about activity sent through the Transactions API, including reversals. Transactions originated before network cutoff times are included in this report. Note: The daily transaction report is available by 9am PT. |
Report Delivery Methods
The following menu provides a list of delivery methods TabaPay offers for sharing reports with TabaPay Clients and Sponsor Banks.
Implementation of Report Delivery Methods
During final stage of onboarding with TabaPay, Clients will be required to select method of delivery for reporting.
During this process, TabaPay Clients will be required to provide necessary information needed for delivery. This information will vary based on the Report Delivery Method selected.
TabaPay Clients must ensure this information is correct and can be accessed by desired staff members on their side.
Single Delivery Endpoint
Standard file delivery configurations allow recipients to receive files to a single endpoint (SFTP, Dropbox, AWS Bucket, or ShareFile) with the exception of email address(es).
Note: Reports can be sent to multiple email addresses.
SFTP Push
TabaPay pushes reports via SFTP. Security options can include:
- Merchant whitelists TabaPay IP
- SFTP ID and Password
- TabaPay public key for SFTP security (ID or ID+PW)
- File encryption using Merchant public PGP key
Dropbox
TabaPay assigns a dropbox to one or more Merchant email accounts. The reports are posted daily. Security options include:
- Dropbox security is standard
- File encryption using Merchant public PGP key
Amazon S3
A directory can be included.
- Amazon security is standard
- File encryption using Merchant public PGP key:
- AWS access credentials:
- AWS Access Key ID
- AWS secret key
- AWS bucket name
- If directory is used, then the directory name
Email Address(es)
One or more TabaPay Client email address(es) can receive daily reports. Files are zipped and encrypted with a TabaPay Client-selected password.
TabaPay Portal
Monthly reports are available via the TabaPay Portal
- Merchant Monthly Statement
- Processing Fee Report
- Network Fee Report
- Invoice Report
TabaPay Clients and Sponsor Banks can also access Daily Reports for the Portal.
Daily Reports Archival in TabaPay Portal
Note that the TabaPay Portal provides Daily Reports the day after settlement. So at any point in time, the reports that are available are mostly until the previous run.
Report Delivery Timing
The reports delivered at approximately 9am PST everyday are for transactions from the prior day.
Need help with TabaPay Reporting?
Please reach out to your TabaPay representative or email [email protected] and CC [email protected] for sample reports or questions about stand report delivery configurations.