Reconciliation Procedure

Create API

Reconciliation is the obligation of the partner, as an effort to monitor and mitigate the risk of financial transactions that occur, which is usually done on H + 1.

Partners who are allowed to go into production, especially for Fund Transfer, Direct Debit and BRIZZI products, must include a reconciliation procedure that is carried out and validated by the BRIAPI team.

There are three data source options that can be used to perform the reconciliation process.

1. Account Statement

Account Statement (current account or mutation info), can be obtained in two ways:

Via Account Statement API
Download from CMS application

Some things to note when using Account Statements as data reconciliation sources:

Account Statements can be obtained on the same day or the next day. However, there are differences in the remark structure for Fund Transfer transactions, as follows:
- Example of remark field: REMARK TEST BRIAPI
- Current account H+0: remark will contain REMARK TEST BRIAPI
- Current account H+1: remark will contain REMARK TEST BRIAPI WS_OB;<referral number>;<additional information>
- Additional information obtained from the system includes institution code and bookkeeping tellers
Therefore, for FT product partners, it is necessary to include a unique code in the Remark column, to make it easier to identify transactions on H+0.

Any error response not listed in the BRIAPI response list is considered pending and requires further investigation.

Please see the Account Statement API documentation for a more detailed explanation.

2. Direct Debit Report

This report is generated specifically for Direct Debit products. Please see the documentation on the Direct Debit product or contact the BRIAPI team to read the report.

3. MT940 File

MT940 is a swift format file that displays the transactions that took place.

BRI will provide MT940 files through two methods:

SFTP (partners will be given a username and password to access the SFTP file)
Sent via Email

Each MT940 file represents all transactions that occur H-1. To get this MT940, please contact the BRIAPI team for a more detailed explanation.

MT940 File Naming uses the following format "042801020365703.202107140256 042801020365703 -> Account Number 20210714 -> Transaction Date H-1 0256 -> Generating Time to SFTP"

Sample File:


               
            {1:BRI}{2:940SI}{4:
            :20:20161116022517
            :25:042801020365703
            :28C:321
            :60F:C161116IDR1100000
            :61:161116D1469582861NTRF
            :86:GFV844469 0749 TJBB 16112016
            :62F:C161116IDR1100000
            -}

Component	Mandatory	Description	Sample
Statement Date	M	Date mt940 was generated	`:20:20161116022517` 20161116022517 follow the format YYYYMMDDHHMMSS
Account Number	M	Account Number, 15 numeric characters	`:25:042801020365703` 042801020365703 → account number
Sequence	M	Statement number / sequence number, 3 numeric characters	`:28C:226` 226 → sequence number
Opening Balance	M	Starting Balance, consisting of: Debit / credit balance status Date Currency Total of balance (position)	`:60F:C161116IDR1100000` C → debit/credit balance status (D/C) 161116 → 6 numeric characters format YYMMDD IDR → 3 currency characters 1100000 → balance, numeric
Statement Line	M	Statement Line, consisting of: Date Debit/credit balance status Nominal Transaction code identification	`:61:161116D1469582861NTRF` 161116 → 6 numeric characters format YYMMDD D → debet / kredit (D/C) 1469582861 → nominal TRF → transaction code (please see the list of transaction codes below)
Information Account / Header	O	description, a maximum length of 40 characters	`:86:GFV844469 0749 TJBB 16112016` GFV844469 0749 TJBB 16112016 → description/remark
Account Header	M	Final Balance, consisting of: Debit/credit balance status Date Currency Total balance (position)	`:62F:C161116IDR1100000` C → Status saldo debet/kredit (D/C) 161116 → 6 numeric characters format YYMMDD IDR → 3 currency characters 1100000 → saldo, numerik

Any error response not listed in the BRIAPI response list is considered pending and requires further investigation.

Transaction Code Description

TRX Type	Description
NCHG	MACAM-MACAM BIAYA
NCHG	CA MISC CHARGES
NCHG	BIAYA ADMINISTRASI
NCHG	CA BILL PAYMENT
NCHG	BIAYA TRANSFER OTOMATIS
NCHG	BIAYA BULANAN ATM
NCHG	PAYMENT CA GL
NCHG	BIAYA,ADMINISTRASI
NCHG	BIAYA TRANSAKSI ATM
NCHG	KOREKSI BUNGA KE SALDO
NCMI	PENARIKAN,TUNAI
NCMI	SETORAN,TUNAI
NIND	PEMBAYARAN,BUNGA,DEPOSITO
NINT	BUNGA,REKENING
NINT	KOREKSI BUNGA KE SALDO
NINT	PEMBAYARAN BUNGA DEPOSITO
NINT	TD INT PAY CA
NINT	PENYESUAIAN BUNGA
NINT	TRANSFER BUNGA
NINT	BUNGA REKENING
NINT	KOREKSI BUNGA KRN VALUTA MUNDUR
NMSC	BF-COMPRESSED ITEMS DEBIT
NMSC	PAJAK
NMSC	MISCELLANEOUS
NMSC	BF-COMPRESSED ITEMS CREDIT
NTAX	PAJAK
NTDD	PENEMPATAN,DEPOSITO
NTDW	PENCAIRAN,DEPOSITO
NTRE	TRANSFER MASUK
NTRF	INW DR RTGS CA
NTRF	OB CA SA
NTRF	TD WITHDRAW O/B CA
NTRF	TC CEP SALES OVB CA
NTRF	TC CEP PURCH OVB CA
NTRF	CD WITHDRAW O/B CA
NTRF	PAYMENT RTGS
NTRF	LN SETLEMENT CA
NTRF	PAYMENT SKN
NTRF	LN DR ADJ PRINC-CA
NTRF	INCENTIVE PAID FROM LOAN
NTRF	PEMBAYARAN OB GIRO
NTRF	LN REP MN SPL OVB CA
NTRF	SA OVERBOOKING CA
NTRF	RM TRF CA TO CA
NTRF	TT ISS OVB CA OUT
NTRF	RM BTOB OVB CA
NTRF	RTGS RPUR OVB CA
NTRF	INW RTGS TRF OVB CA
NTRF	RM TRF CA TO CASH
NTRF	RM TRF CA TO SA
NTRF	CD PLACEMENT O/B CA
NTRF	WESEL PAY OVB CA
NTRF	PENUTUPAN REK TUNAI
NTRF	RM BTOB PAY OVB CA
NTRF	BILL PAYMENT KREDIT
NTRF	WESEL ISS OVB CA
NTRF	LN CR ADJ PRINC-CA
NTRF	PRK OVERBOOKING CA
NTRF	PENARIKAN TUNAI
NTRF	OB CA CA
NTRF	PEMINDAHBUKUAN
NTRF	CA CHEQUE RETURN
NTRF	CA/PRK INW CLEARING
NTRF	RM TRF CASH TO CA
NTRF	LN CAP REPY OVB CA
NTRF	LOCAL CHEQUE CREDIT
NTRF	LN REP MNL OB CA REV
NTRF	TRANSFER,MASUK
NTRF	LN DISBUR OVB CA
NTRF	RTGS TRF OVB CA
NTRF	PEMBAYARAN TUNAI
NTRF	TRANSFER,KELUAR
NTRF	TT PAY OVB CA IN
NTRF	PENUTUPAN REK OB
NTRF	LN DR ADV PYMNT-CA
NTRF	CN TRANSFER OVB CA
NTRF	PEMBAYARAN OB TABUNGAN
NTRF	DR SIDE OF SALARY CREDITING
NTRF	CA DEBIT GL CREDIT
NTRF	LN DISBUR OVB CA RV
NTRF	LN SETLL CA REV
NTRF	LN INST RPY OVB CA
NTRF	TD PLACEMENT O/B CA
NTRF	TC PURCH OVB CA
NTRF	TRANSFER OTOMATIS
NTRF	CN CANCELATION CA
NTRF	INW CA TRF TO CA
NTRF	BILL PAYMENT DEBIT
NTRF	SETORAN TUNAI
NTRF	CA CLOSE ACC OVB CA
NTRF	CR SIDE OF SALARY CREDITING
NTRF	CA CASH WITHDRAWAL
NTRF	INWARD RTGS CR
NTRF	CA CASH DEPOSIT
NTRF	TC SALES OVB CA
NTRF	CA OVERBOOKING CA
NTRF	CA OVERBOOKING SA