Daily Consolidated Report
The Daily Consolidated Report lets clients reconcile transfer activity against their internal GL/DDA account - the internal account that end-user funds are moved into at the time a transfer is initiated.
This report is distinct from the Daily Transfers and Cancellation Report, which reconcile your pre-funding (FBO) account at the sponsor bank. Use the Daily Consolidated Report when you need to reconcile the internal account where end-user funds first land - independent of when PayMitto's
network partners ultimately settle.
This report can be used to:
- Reconcile transfer activity against your internal GL/DDA account.
- Account for differing settlement timing across Mastercard, Visa Direct, and MoneyGram.
- Track customer hold and release activity (for clients who use that feature).
How Settlement Timing Works
When a transfer is initiated, funds move from the customer's account into your internal GL/DDA account for the full transfer amount (principal and fee may be tracked in separate internal accounts). PayMitto then instructs the network partner to send the transfer cross-border and settles with the network on a later day.
Because each network settles on a different schedule, a transfer can sit in your internal account for one or more days before it settles. The report uses a configurable cutoff window so internal activity is reported on a consistent daily boundary, regardless of network settlement timing. The Is Settled column on each row tells you whether that transfer has
settled with the network as of the report day.
Cutoff Configuration
Cutoffs are configured per network. Each supported network ships with a platform default.
| Network | Default Cutoff Window | Time Zone |
|---|---|---|
| Mastercard | 12:00 AM – 12:00 AM | America/New_York |
| VisaDirect | 6:00 AM – 6:00 AM | America/New_York |
| MoneyGram | 12:00 AM – 12:00 AM | America/New_York |
Time ZoneAll cutoff times are expressed in U.S. Eastern Time (EST/EDT) and observe daylight saving time.
Customer Hold Status
For clients who have enabled the customer hold and release feature, the report includes a Customer Hold Status column that reflects the most recent customer-hold event for the transfer, up to and including the report day.
| Value | Meaning |
|---|---|
| On Customer Hold | The transfer is actively in a customer-initiated hold. |
| Released from Hold | The transfer was released from the hold by the customer. |
| Cancelled from Hold | The transfer was cancelled from the hold by the customer. |
File Spec
Each row represents a single debit or credit entry for a transfer on a given report day. Amounts are pre-rounded when the record is written, so no additional rounding is required.
| Column Name | Description | Data Type | Format | Constraints | Example |
|---|---|---|---|---|---|
| Customer name | Name of the customer associated with the transfer. | String | Alphanumeric | Mandatory, Max length: 50 characters | Payment Bank |
| Transfer ID | Unique ID of the transfer defined by PayMitto. | String | UUID | Mandatory, Valid UUID format | c3d4e5f6-a7b8-9012-cdef-123456789012 |
| Confirmation number | Unique ID of the transfer defined by the remittance service provider. | String | Alphanumeric | Mandatory, Max length: 50 characters | 33TF092345678 |
| Transfer date time | The date and time the transfer was originally submitted. | DateTime | MM/dd/yyyy hh:mm:ss tt | Mandatory, Eastern Time (EST/EDT) | 04/15/2026 9:30:00 AM |
| Sender name | The name of the person sending the funds. | String | Text | Mandatory, Max length: 200 | Sender 1 |
| Recipient name | The name of the person receiving the funds. | String | Text | Mandatory, Max length: 200 | Recipient 1 |
| Send amount | The principal amount sent in the sender's currency. | Decimal | Numeric | Mandatory, 2 decimal places, thousands separator | 350.00 |
| Transfer fee | The total fee charged for the transfer. | Decimal | Numeric | Mandatory, 2 decimal places, thousands separator | 7.99 |
| Fx rate | The foreign exchange rate applied to the transfer. | Decimal | Numeric | Mandatory, 2 decimal places, thousands separator | 523.66 |
| Total credit amount | The total amount credited back to the internal account. Populated on credit (reversal) rows only. | Decimal | Numeric | Optional, 2 decimal places, thousands separator | 657.99 |
| Total debit amount | The total amount debited to the internal account at transfer initiation. Populated on debit rows only. | Decimal | Numeric | Optional, 2 decimal places, thousands separator | 357.99 |
| Fee revenue share | Your share of the transfer fee revenue. | Decimal | Numeric | Optional, 2 decimal places, thousands separator | 2.50 |
| Fx revenue share | Your share of the FX revenue for the transfer. | Decimal | Numeric | Optional, 2 decimal places, thousands separator | 1.03 |
| Re-quote fx | The exchange rate applied when the transfer was re-quoted (if applicable). | Decimal | Numeric | Optional, 2 decimal places, thousands separator | 5.18 |
| Re-quote variation | The difference between the original and re-quoted FX rate (if applicable). | Decimal | Numeric | Optional, 2 decimal places, thousands separator | 0.06 |
| Re-quote liability | The liability incurred as a result of the re-quote (if applicable). | Decimal | Numeric | Optional, 2 decimal places, thousands separator | 1.20 |
| Delivery method | The method by which funds are delivered to the recipient. One of CASH_PICKUP, BANK_ACCOUNT, MOBILE_WALLET, or PUSH_TO_CARD. | String | Alphanumeric | Mandatory, One of CASH_PICKUP, BANK_ACCOUNT, MOBILE_WALLET, PUSH_TO_CARD | CASH_PICKUP |
| Destination country | The destination country of the transfer (ISO 3166-1 alpha-3). | String | Alphanumeric | Mandatory, ISO 3166-1 alpha-3 | KAZ |
| Destination currency | The destination currency of the transfer (ISO 4217). | String | Alphanumeric | Mandatory, ISO 4217 | KZT |
| Cancellation reason | The reason the transfer was canceled or failed (if available). Populated on credit rows only. | String | Text | Optional, no enforced maximum character count | Change Mind |
| Proxy number | Card proxy number (available if ingested during transfer). | String | Alphanumeric | Optional, Max length: 30 characters | ABC123XYZ |
| RSP name | The name of the Remittance Service Provider processing the transfer. | String | Text | Mandatory, Max length: 50 | Mastercard |
| Customer Hold Status | The most recent customer hold event for the transfer. | String | Alphanumeric | Optional, One of On Customer Hold, Released from Hold, Cancelled from Hold | Released from Hold |
| Status Update Date Time | The date and time of the most recent status update for the transfer. | DateTime | MM/dd/yyyy hh:mm:ss tt | Optional, Eastern Time (EST/EDT) | 04/15/2026 9:30:00 AM |
| Is settled | Indicates whether the transfer has settled with the network as of the report day. | String | Alphanumeric | Mandatory, One of Yes, No | Yes |
Configurable Header ColumnsColumns in the Daily Consolidated Report are configurable, clients can choose to show or hide them depending on need. Some columns are tightly couple with functionality that clients opt-in to; customer hold/release, re-quote & quote honoring, etc.
Row Emission
A transfer produces at most two rows per report day: one debit and one credit.
- Debit rows carry a value in Total Debit Amount and represent funds moved into your internal GL/DDA account.
- Credit rows carry a value in Total Credit Amount and a Cancellation Reason. A credit row is emitted on the day a transfer is cancelled or fails, reversing the internal GL/DDA debit.
- A transfer released from an internal compliance hold, on its own, does not emit a new row.
File Information
- File Name: The file will use the following naming convention:
CustomerName_Daily_Consolidated_Report_MMDDYY. Configurable if clients want to change. - File Format: CSV by default (configurable delimiter); XLSX supported.
- Header Row: The file will have a header row.
- Summary Row: No summary row.
- Frequency: This file generates & delivers daily (7 days a week, 365 days), typically around 6:30AM ET (adjusts with daylight savings time).
Report GenerationWhen enabled, the file is generated daily regardless of whether any transfers occurred during the period. If no activity is found within the applicable timeframe, the report will include only the header row, with no accompanying data rows.
Sample
Customer name,Transfer ID,Confirmation number,Transfer date time,Sender name,Recipient name,Send amount,Transfer fee,Fx rate,Total credit amount,Total debit amount,Fee revenue share,Fx revenue share,Re-quote fx,Re-quote variation,Re-quote liability,Delivery method,Destination country,Destination currency,Cancellation reason,Proxy number,RSP name,Customer Hold Status,Status Update Date Time,Is settled
Payment Bank,c3d4e5f6-a7b8-9012-cdef-123456789012,33TF092345678,04/15/2026 9:30:00 AM,Sender 1,Recipient 1,350.00,7.99,523.66,,357.99,2.50,1.03,,,,CASH_PICKUP,KAZ,KZT,,,Mastercard,Released from Hold,04/15/2026 9:30:00 AM,Yes
Payment Bank,e5f6a7b8-c9d0-1234-efab-1a2b3c4d5e6f,33TF099012345,04/15/2026 2:00:00 PM,Sender 2,Recipient 2,525.00,5.99,5.12,,530.99,2.50,1.36,,,,BANK_ACCOUNT,BRA,BRL,,,Visa,On Customer Hold,04/15/2026 2:00:00 PM,No
Payment Bank,a9b0c1d2-e3f4-5678-abcd-789012345abc,33TF123456789,04/15/2026 5:45:00 PM,Sender 3,Recipient 3,650.00,7.99,57.53,,657.99,2.50,1.52,,,,BANK_ACCOUNT,PHL,PHP,,,Mastercard,On Customer Hold,04/15/2026 5:45:00 PM,Yes
Payment Bank,a9b0c1d2-e3f4-5678-abcd-789012345abc,33TF123456789,4/15/2026 6:30:00 PM,Sender 3,Recipient 3,650.00,7.99,57.53,657.99,,2.50,1.52,,,,BANK_ACCOUNT,PHL,PHP,Change Mind,,Mastercard,Cancelled from Hold,04/15/2026 6:30:00 PM,Yes
Payment Bank,e5f6a7b8-c9d0-1234-efab-1a2b3c4d5e6f,33TF099012345,04/16/2026 2:30:00 PM,Sender 2,Recipient 2,525.00,5.99,5.12,,530.99,2.50,1.36,,,,BANK_ACCOUNT,BRA,BRL,,,Visa,Released from Hold,04/16/2026 2:30:00 PM,No
Payment Bank,e5f6a7b8-c9d0-1234-efab-1a2b3c4d5e6f,33TF099012345,04/17/2026 9:00:00 AM,Sender 2,Recipient 2,525.00,5.99,5.12,,530.99,2.50,1.36,,,,BANK_ACCOUNT,BRA,BRL,,,Visa,Released from Hold,04/17/2026 9:00:00 AM,YesReport Delivery
The Daily Consolidated Report is delivered via SFTP.
1. SFTP (pull)
In the "pull" model, the PayMitto integrations team will provide you with SFTP credentials and you will provide PayMitto with a public key for encryption. Files will be dropped in the determined SFTP directory on a daily basis.
2. SFTP (push)
In the SFTP push model, a file is generated and dropped in an agreed-upon SFTP directory. In this model you will provide the PayMitto team with SFTP credentials along with the public encryption key.
Next Steps
To get started with the process of receiving the Daily Consolidated Report, please reach out to the PayMitto integrations team at [email protected].
Updated 13 days ago