Reconciliation Procedure

 

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:

  1. Via Account Statement API
  2. 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.
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:

  1. SFTP (partners will be given a username and password to access the SFTP file)
  2. 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

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