Prosedur Rekonsiliasi-2

Buat API

Prosedur Rekonsiliasi Partner

Deskripsi

Rekonsiliasi merupakan kewajiban dari partner, sebagai upaya monitoring dan mitigasi resiko terhadap transaksi finansial yang terjadi, yang biasa dilakukan di H+1.

Partner yang diijinkan naik ke production, khususnya untuk produk Fund Transfer, Direct Debit dan BRIZZI, harus menyertakan prosedur rekonsiliasi yang dilakukan dan divalidasi oleh tim BRIAPI.

Ada tiga pilihan data sumber yang bisa digunakan untuk melakukan proses rekonsiliasi.

1. Account Statement

Account Statement (rekening koran atau info mutasi), bisa didapatkan dengan dua cara:

Melalui API riwayat transaksi
Download dari aplikasi CMS

Beberapa hal yang perlu diperhatikan ketika menggunakan Account Statement sebagai data sumber rekonsiliasi:

Account Statement bisa didapatkan di hari yang sama atau di hari berikutnya. Namun, ada perbedaan struktur remark untuk transaksi Fund Transfer, sebagai berikut:
- Contoh isian remark: REMARK TEST BRIAPI
- Rekening koran H+0: remark akan berisi REMARK TEST BRIAPI
- Rekening koran H+1: remark akan berisi REMARK TEST BRIAPI WS_OB;<Nomor Referral>;<Tambahan Informasi>
- Tambahan Informasi didapat dari sistem meliputi institution code dan teller pembukuan
Oleh karena itu, untuk partner produk FT, perlu menyertakan kode unik di kolom Remark, untuk memudahkan identifikasi transaksi di H+0.

Silahkan melihat dokumentasi API Riwayat Transaksi untuk penjelasan lebih detail.

2. Report Direct Debit

Report ini di-generate khusus untuk produk Direct Debit. Silahkan lihat dokumentasi di produk Direct Debit atau kontak ke tim BRIAPI untuk pembacaan report tersebut.

3. File MT940

MT940 adalah file format swift yang menampilkan transaksi yang terjadi.

Dari BRI akan menyediakan file MT940 melalui dua metode:

SFTP (partner akan diberikan username dan password untuk akses file SFTP)
Dikirim via Email

Setiap file MT940 merepresentasikan 1 transaksi. Untuk mendapatkan file MT940 ini, silahkan kontak ke tim BRIAPI untuk penjelasan lebih detail.

Spesifikasi File MT940

Contoh File:

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

Komponen	Mandatory	Description	Sample
Statement Date	M	Tanggal mt940 digenerate	`:20:20161116022517` 20161116022517 mengikuti format YYYYMMDDHHMMSS
Account Number	M	Nomor Rekening, 15 karakter numerik	`:25:042801020365703` 042801020365703 → account number
Sequence	M	Nomor statement / sequence number, 3 karakter numerik	`:28C:226` 226 → sequence number
Opening Balance	M	Saldo Awal, terdiri dari: Status saldo debet/kredit Tanggal Valuta Jumlah saldo (posisi)	`:60F:C161116IDR1100000` C → Status saldo debet/kredit (D/C) 161116 → 6 karakter numeric format YYMMDD IDR → 3 karakter mata uang 1100000 → saldo, numerik
Statement Line	M	Statement Line, terdiri dari: Tanggal Status saldo debet/kredit Nominal Identifikasi kode transaksi	`:61:161116D1469582861NTRF` 161116 → 6 karakter numeri format YYMMDD D → debet / kredit (D/C) 1469582861 → nominal TRF → kode transaksi (silahkan lihat daftar kode transaksi di bawah)
Information Account / Heade	O	keterangan, maksimal panjang 40 karakter	`:86:GFV844469 0749 TJBB 16112016` GFV844469 0749 TJBB 16112016 → keterangan/remark
Account Header	M	Saldo Akhir, terdiri dari: Status saldo debet/kredit Tanggal Valuta Jumlah saldo (posisi)	`:62F:C161116IDR1100000` C → Status saldo debet/kredit (D/C) 161116 → 6 karakter numeric format YYMMDD IDR → 3 karakter mata uang 1100000 → saldo, numerik

Deskripsi Kode Transaksi

Code	Deskripsi
BNK	Securities Related Item - Bank fees
BOE	Bill of exchange
BRF	Brokerage fee
CAR	Securities Related Item - Corporate Actions Related (Should only be used when no specific corporate action event code is available)
CAS	Securities Related Item - Cash in Lieu
CHG	Charges and other expenses
CHK	Cheques
CLR	Cash letters/Cheques remittance
CMI	Cash management item - No detail
CMN	Cash management item - Notional pooling
CMP	Compensation claims
CMS	Cash management item - Sweeping
CMT	Cash management item - Topping
CMZ	Cash management item - Zero balancing
COL	Collections (used when entering a principal amount)
COM	Commission
CPN	Securities related item - Coupon payments
DCR	Documentary credit (used when entering a principal amount)
DDT	Direct Debit Item
DIS	Securities related item - Gains disbursement
DIV	Securities Related Item - Bank fees
EQA	Equivalent amount
EXT	Securities related item - External transfer for own account
FEX	Foreign exchange
INT	Interest
LBX	Lock box
LDP	Loan deposit
MAR	Securities related item - Margin payment/Receipts
MAT	Securities related item - Maturity
MGT	Securities related item - Management fees
MSC	Miscellaneous
NWI	Securities related item - New issues distribution
ODC	Overdraft charge
OPT	Securities related item - Options
PCH	Securities related item - Purchase (including STIF and Time deposits)
POP	Securities related item - Pair-off proceeds
PRN	Securities related item - Principal pay-down/pay-up
REC	Securities related item - Tax reclaim
RED	Securities related item - Redemption/Withdrawal
RIG	Securities related item - Rights
RTI	Returned Item
SAL	Securities related item - Sale (including STIF and Time deposits)

MT940 File Specifications

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

Transaction Code Description

Code	Description
BNK	Securities Related Item - Bank fees
BOE	Bill of exchange
BRF	Brokerage fee
CAR	Securities Related Item - Corporate Actions Related (Should only be used when no specific corporate action event code is available)
CAS	Securities Related Item - Cash in Lieu
CHG	Charges and other expenses
CHK	Cheques
CLR	Cash letters/Cheques remittance
CMI	Cash management item - No detail
CMN	Cash management item - Notional pooling
CMP	Compensation claims
CMS	Cash management item - Sweeping
CMT	Cash management item - Topping
CMZ	Cash management item - Zero balancing
COL	Collections (used when entering a principal amount)
COM	Commission
CPN	Securities related item - Coupon payments
DCR	Documentary credit (used when entering a principal amount)
DDT	Direct Debit Item
DIS	Securities related item - Gains disbursement
DIV	Securities Related Item - Bank fees
EQA	Equivalent amount
EXT	Securities related item - External transfer for own account
FEX	Foreign exchange
INT	Interest
LBX	Lock box
LDP	Loan deposit
MAR	Securities related item - Margin payment/Receipts
MAT	Securities related item - Maturity
MGT	Securities related item - Management fees
MSC	Miscellaneous
NWI	Securities related item - New issues distribution
ODC	Overdraft charge
OPT	Securities related item - Options
PCH	Securities related item - Purchase (including STIF and Time deposits)
POP	Securities related item - Pair-off proceeds
PRN	Securities related item - Principal pay-down/pay-up
REC	Securities related item - Tax reclaim
RED	Securities related item - Redemption/Withdrawal
RIG	Securities related item - Rights
RTI	Returned Item
SAL	Securities related item - Sale (including STIF and Time deposits)