Card activity daily report

This report contains a detailed list of all card activity on all cards, on a specific day.
The purpose of this report is to track all activity that impacts the actual balance on every card. It is generated daily and covers all transactions carried out on the previous day.

Latest version: 3.13.0
File repository path: Card Activity/Daily
File name pattern: Card_Activity_daily

REPORT CONTENT
startDate
The date when the transaction started.
transactionDate
The date when the balance movement was performed.
community
The name of the community to which a client belongs as set up in Nium.
client
The name of the client as set up in Nium.
country
Represents the country in which the client is based.
transactionId
Represents a unique transaction identifier.
adjustmentId
Represents a unique identifier for each balance movement.

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NOTE
A transaction can have multiple balance movements.


transactionType
Describes the type of activity carried out on the card. The following reported transaction types are available:

TRANSACTION TYPE	DESCRIPTION	TRANSACTION INFO FIELD
Transfer	Represents transfers to or from this card.	If the client initiates the transfer, this field contains NULL. If Nium initiates the transfer, this field contains comments entered by the Nium officer.
Authorisation	Represents the receipt of an authorization request for the card.	Contains the authorization reason.
Authorisation release	Represents the cancellation of a previous authorization request by the merchant.	Contains the authorization reason.
Purchase	Represents the receipt and processing of a settlement request for the card.	NULL
Merchant refund	Represents the receipt of funds on a card from a merchant. Includes merchant refunds and original credit transfers as processed through the Visa network.	NULL
Manual credit	Represents a positive manual adjustment on a card.	Contains comments entered by the Nium officer.
Manual debit	Represents a negative manual adjustment on a card.	Contains comments entered by the Nium officer.
Card created	Represents the creation of new cards (which could involve fund transfer).	NULL
Freeze	Represents the change of card state to restricted.	NULL
Thaw	Represents the change of card state to active.	NULL
Loss recovery	Represents negative card balance recovery	NULL
Dispute opened	Represents the opening of a new dispute.	NULL
Dispute reversed	Represents the reversal of an open dispute.	NULL
Dispute won	Represents a dispute which has been won.	This field contains WON_PARTIAL in the case of a partial win, otherwise, it will contain NULL.
Dispute lost	Represents a dispute which has been lost.	NULL
Deduct fee	Represents any deducted fees.	This field contains INVALID_DISPUTE_FEE in the case of invalid disputes.


transactionCurrency
The currency of the participant (card). For example, if the client requested 1000 GBP but the currency of the card is EUR, transactionCurrency is EUR.

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NOTE
In a cross-currency transfer, the transactionCurrency is that of the source instrument. For example, in case of a transfer from a EUR funding account to a USD card, transactionCurrency is EUR because that is the amount that would have been requested by the client


transactionAmount
The requested amount is represented in transactionCurrency. This amount also includes Forex padding (for authorizations) and any fees set at the processor level. For example, suppose the client requested 1000 GBP. In that case, the transactionCurrency is EUR, the current GBP to EUR exchange rate is 1.1, and Forex padding is EUR 5, transactionAmount is 1105: EUR 1100 from currency exchange plus EUR 5 Forex padding.

transactionAmount

The requested amount is represented in transactionCurrency. This amount also includes Forex padding (for authorizations) and any fees set at the processor level. For example, suppose the client requested 1000 GBP. In that case, the transactionCurrency is EUR, the current GBP to EUR exchange rate is 1.1, and Forex padding is EUR 5, transactionAmount is 1105: EUR 1100 from currency exchange plus EUR 5 Forex padding.

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NOTE
This amount does not include fees in case of cross-currency transfers.


transactionAuthor
The author of the transaction (for example, username, API call).
sourceType
The source participant in the transaction.
sourceDetails
A friendly name of the source participant.
destinationType
The destination participant in the transaction
destinationDetails
A friendly name of the destination participant.
participantType
The type of transaction participant (can be a source or a destination participant).

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NOTE
For card reports, participantType is always Virtual Card.

PARTICIPANT TYPE	DESCRIPTION
Funding Account	An account maintained with Nium, used by the client to issue and load cards.
Virtual Card	A virtual card was issued through Nium.
Bank Card	The account holder’s bank card deposits funds to their Nium funding account.
Bank Account	A bank account registered in Nium may be used for bank transfers (to add money to a Nium funding account).

Manual Account
Manual accounts are tagged accounts used by Nium for manual adjustments. These include the following:

MANUAL ACCOUNT TYPE	DESCRIPTION
Revshare	This account is used to show revenue share credits/debits.
Forex_Fee	This account is used to adjust forex credits/debits.
Misc_Clearing	This account adjusts one-off, occasional adjustments (supported by a note).
Testing	This account is used to adjust testing credits/debits.
Settlement_Loss	This account is used to collect losses on client settlement processing.
Settlement _Charge	This account collects fees associated with settlement charges (not collected by the system).
Dispute_Fee	This account is used to collect dispute fees on client requests.
Dispute_Won	This account is used to credit funds won related to disputes processed.
Card_Fee	This account is used to collect/refund card fee charges manually.
Transfer_Fee	This account is used to manually collect/refund fees generated on a transfer.
Bank_Charge	This account is used to collect/refund fees associated with a bank transfer.
Tracing_Charge	This account is used to collect/refund fees associated with a bank transfer trace.
Professional_Fee	This account collects fees associated to a bespoke task that had previously communicated a charge.
Setup_Fee	This account is used to collect/refund setup fees.


participantDetails
Contains a friendly name of the participant. For example, bank account information (if the participant type is Bank Account), funding account name (if the participant type is Funding Account), and so on.
participantSink
Possible values: SOURCE or DESTINATION.
originalCurrency
The original currency as requested by the client. This is independent of the participant's currency. For example, if the client requested 1000 GBP and participantCurrency is EUR, originalCurrency is GBP.
originalAmount
The amount requested by the client. This is independent of the participant's currency. For example, if the client requested 1000 GBP and participantCurrency is EUR, originalAmount is 1000.
participantCurrency
The currency of the participant (card). For example, if the client requested 1000 GBP and the currency of the card is EUR, participantCurrency is EUR.
participantAmount
The requested amount is represented in the participant's currency (see: participantCurrency). For example, if the client requested 1000 GBP, participantCurrency is EUR, and the current GBP to EUR exchange rate is 1.1, participantAmount is 1100.

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NOTE
At authorisation level there is no money movement, so if transactionType is Authorisation, then participantAmount is 0. The total amount blocked by the authorisation is represented in originalAmount and transactionAmount in respective currencies.


exchangeRate
The exchange rate used between source currency and destination currency (if they are different).
nonForexFee
Contains non-Forex fees for the reported transaction, where applicable.
forexFee
Contains Forex fees for the reported transaction, where applicable
balanceBefore
The balance on the card before the transaction was processed.
balanceAdjustment
The adjustment amount on the card. This is the sum of the card transaction amount and the non-Forex fee and the Forex fee
balanceAfter
The balance on the card after the transaction was processed. This excludes the fee amount.
status
Used to keep track of transactions.

STATUS TYPE	DESCRIPTION
Completed	The transaction has been completed successfully.
Failed	The transaction has failed, and no fund moments have happened.
Initialised	The transaction is suspended, and funds have only been partially moved.
Initialised completed	The transaction was previously in a suspended state but has been resumed to completion successfully, and funds have also been fully moved.
Initialised failed	The transaction that was previously suspended has been resumed to a failed state. Fund movements that happened initially have been reversed, and a new balance movement entry has been created.


forexFlag
Contains a Boolean flag indicating whether a transaction is Forex or not (possible values: Y/N).
direction
Contains a Boolean flag indicating whether a transaction is an advance or a reversal (possible values: A/R).
merchantName
The name of the merchant.
merchantCountry
The base country for the merchant as registered with the acquirer.
merchantCategoryCode
An identifier for the merchant category that a merchant belongs to.
acquirerReferenceNumber
A unique reference number that identifies the acquirer for each merchant.
authCode
The authorization code is used in authorizations and settlements. It can be used to match a settlement to its corresponding authorization.
providerDate
The date on which the transaction is processed at the card processor level. Usually, it is reported only for the authorizations and settlements.
externalRef
A unique Nium reference of the card. For example, `CMCLHJCDHECDCCB.`
externalID
The external ID of the card is supplied by the client and stored in the Nium system.
cardNum
The first six and last four digits of a virtual card. For example, `406742******8806.` This should not be used to match or map card numbers, as multiple cards share the same set of first six and last four digits. Card references should be used to match or map card numbers.
cardScheme
The card scheme of the issued card. For example, Visa or Mastercard.
cardFactoryName
Indicates the card factory (card type) to which a card is linked.
customField1 to customField20
The client may choose to pass specific information relating to the transaction by attaching additional information in the custom fields. Custom information allows the client to reconcile card activity (payments and refunds). Custom field data is retrieved from the “cardInfo” parameter when creating a card using the IssueVirtualCard() API or from the “additional details” form when creating a card in the Nium Portal. This information is passed as a name: value pairs. For example, custom fields may contain the following information: `Client Customer Identifier : John123` `Client Customer Booking Identifier : Paris321` `Client Travel Package Type Descriptor : LOWCOST` `Client Travel Package Identifier : LC21` `Client Company Subsidiary Descriptor : Spain`

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NOTE
In the Nium portal, custom fields are referred to as additional details.


transactionInfo
Additional information specific to each transaction type.
fundingAccountName
The name of the funding account from which the card was funded for the first time.
authTransactionDate
The date of the respective authorization for a purchase.
schemeCode
The card product uses the scheme-provided code.
binOwner
The entity associated with the respective card product.
ecbRate
The latest European Central Bank (ECB) rate is applicable for the day identified by the field Central Processing Date.